# EDGAR Filing Document

**Accession Number:** 0002087958
**File Stem:** 0001213900-25-104650
**Filing Date:** 2025-10
**Character Count:** 4049503
**Document Hash:** 6e2896c36baccfffcf05a74dba80bfa2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-104650.hdr.sgml**: 20251031

**ACCESSION NUMBER**: 0001213900-25-104650

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

**PUBLIC DOCUMENT COUNT**: 96

**CONFORMED PERIOD OF REPORT**: 20251031

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

**FILED AS OF DATE**: 20251031

**DATE AS OF CHANGE**: 20251031

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM5, LLC
- **CENTRAL INDEX KEY:** 0002087958

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08053
- **FILM NUMBER:** 251440287

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM5, LLC
- **CENTRAL INDEX KEY:** 0002087958

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM5, LLC
- **CENTRAL INDEX KEY:** 0002087958

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

**<u>PRP DEPOSITOR 2025-NQM5, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002087958</u>

PRPM 2025-NQM5 Trust

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2025-NQM5, LLC | PRP DEPOSITOR 2025-NQM5, LLC |
| Date: October 31, 2025 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea026337501_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea026337501_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea026337501_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades](ea026337501_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea026337501_ex99-1sch4.htm)

[99.2. - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea026337501_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea026337501_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea026337501_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea026337501_ex99-2sch3.htm)

[Schedule 4 – Valuations Report](ea026337501_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea026337501_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea026337501_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea026337501_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea026337501_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea026337501_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea026337501_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Clarifii LLC Narrative](ea026337501_ex99-4.htm)

[Schedule 1 – ATR QM Report](ea026337501_ex99-4sch1.htm)

[Schedule 2 – Data Compare Report](ea026337501_ex99-4sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea026337501_ex99-4sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea026337501_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea026337501_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Clayton Services LLC Narrative](ea026337501_ex99-5.htm)

[Schedule 1 – ATR QM Data](ea026337501_ex99-5sch1.htm)

[Schedule 2 – Conditions Detail](ea026337501_ex99-5sch2.htm)

[Schedule 3 – Loan Grades](ea026337501_ex99-5sch3.htm)

[Schedule 4 – Loan Level Tape Compare](ea026337501_ex99-5sch4.htm)

[Schedule 5 – Non ATR QM Upload](ea026337501_ex99-5sch5.htm)

[Schedule 6 – Valuations Summary](ea026337501_ex99-5sch6.htm)

[99.6 - Third Party Due Diligence Report – Covius Real Estate Services, LLC Narrative](ea026337501_ex99-6.htm)

[Schedule 1 – ATR QM Data Fields](ea026337501_ex99-6sch1.htm)

[Schedule 2 – Exceptions Report](ea026337501_ex99-6sch2.htm)

[Schedule 3 – RA Grades](ea026337501_ex99-6sch3.htm)

[Schedule 4 – Tape Compare](ea026337501_ex99-6sch4.htm)

[Schedule 5 – Valuation Report](ea026337501_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – Evolve Mortgage Services Narrative](ea026337501_ex99-7.htm)

[Schedule 1 – Data Compare Report](ea026337501_ex99-7sch1.htm)

[Schedule 2 – Exception Detail Report](ea026337501_ex99-7sch2.htm)

[Schedule 3 – QM ATR Data Report](ea026337501_ex99-7sch3.htm)

[Schedule 4 – RA Grades Report](ea026337501_ex99-7sch4.htm)

[Schedule 5 – Valuation Report](ea026337501_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report – Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions Narrative](ea026337501_ex99-8.htm)

[Schedule 1 – Exception Report](ea026337501_ex99-8sch1.htm)

[Schedule 2 – Final Tape Compare Report](ea026337501_ex99-8sch2.htm)

[Schedule 3 – QM ATR Report](ea026337501_ex99-8sch3.htm)

[Schedule 4 – RA Grades Report](ea026337501_ex99-8sch4.htm)

[Schedule 5 – Valuation Summary](ea026337501_ex99-8sch5.htm)

[99.9 - Third Party Due Diligence Report – Maxwell Diligence Solutions, LLC Narrative](ea026337501_ex99-9.htm)

[Schedule 1 – Data Compare Report](ea026337501_ex99-9sch1.htm)

[Schedule 2 – Grading Report](ea026337501_ex99-9sch2.htm)

[Schedule 3 – Standard Exceptions Report](ea026337501_ex99-9sch3.htm)

[Schedule 4 – Valuation Report](ea026337501_ex99-9sch4.htm)

[99.10 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea026337501_ex99-10.htm)

[Schedule 1 – Data Compare Report](ea026337501_ex99-10sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea026337501_ex99-10sch2.htm)

[Schedule 3 – Standard Findings Report](ea026337501_ex99-10sch3.htm)

[Schedule 4 – Valuation Report](ea026337501_ex99-10sch4.htm)

[9.11 - Third Party Due Diligence Report – StoneHill Group, Inc.](ea026337501_ex99-11.htm)

[Schedule 1 – ATR OR QM Report](ea026337501_ex99-11sch1.htm)

[Schedule 2 – Data Compare Report](ea026337501_ex99-11sch2.htm)

[Schedule 3 – Rating Agency Grades Detail Report](ea026337501_ex99-11sch3.htm)

[Schedule 4 – Rating Agency Grades Summary Report](ea026337501_ex99-11sch4.htm)

[Schedule 5 – Valuation Report](ea026337501_ex99-11sch5.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP VI AIV Holdings, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from July 2024 through August 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (97 loans), and Business Purpose Scope (42 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 139 mortgage loans.

The final population of the Review covered 139 mortgage loans totaling an aggregate original principal balance of approximately $59.311 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

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

---

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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)).

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

 

*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred thirty-nine (139) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS NRSRO grading criteria ninety-nine (99) loans (71.22%) had an Overall grade of "A", forty (40) loans (28.06%) had an Overall grade of "B". After all documents were presented, under the applicable Fitch NRSRO grading criteria ninety-eight (98) loans (70.50%) had an Overall grade of "A", forty (40) loans (28.78%) had an Overall grade of "B", and one (1) loan (0.72%) had an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;71.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;28.78% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;70.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;28.78% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred fifteen (115) loans (82.73%) reviewed received an "A" Credit grade and twenty-four (24) loans (17.27%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;82.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;17.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Forty-two (42) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable DBRS NRSRO grading criteria and Fitch NRSRO grading criteria seventy-nine (79) loans (81.44%) had a Compliance grade of "A", eighteen (18) loans (18.56%) had a Compliance grade of "B.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Compliance Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Compliance Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;81.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;18.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred thirty-nine (139) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS NRSRO grading criteria all one hundred thirty-nine (139) loans (100.00%) had a Property grade of "A". After all documents were presented, under the applicable Fitch NRSRO grading criteria one hundred thirty-seven (138) loans (99.28%) had a Property grade of "A" and one (1) loan (0.72%) had a Property grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;139 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;138 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred thirty-nine (139) Loans reviewed, eighty-six (86) unique Loans had two hundred sixty-nine (269) different tape discrepancies across forty-seven (47) data fields (some Loans had more than one data delta). The most variances were found on Borrowers Last Name, Note Date and Original Interest Rate.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;90 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;91 | &nbsp;&nbsp;4.40% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;115 | &nbsp;&nbsp;6.09% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;73 | &nbsp;&nbsp;10.96% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;31 | &nbsp;&nbsp;117 | &nbsp;&nbsp;26.50% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;139 | &nbsp;&nbsp;2.88% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;80 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;58 | &nbsp;&nbsp;12.07% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;6 | &nbsp;&nbsp;17 | &nbsp;&nbsp;35.29% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;108 | &nbsp;&nbsp;7.41% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;75 | &nbsp;&nbsp;25.33% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;19 | &nbsp;&nbsp;139 | &nbsp;&nbsp;13.67% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;125 | &nbsp;&nbsp;1.60% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;98 | &nbsp;&nbsp;18.37% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;6 | &nbsp;&nbsp;90 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;10 | &nbsp;&nbsp;18 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;121 | &nbsp;&nbsp;10.74% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;12 | &nbsp;&nbsp;109 | &nbsp;&nbsp;11.01% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;139 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;139 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;139 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;139 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**269** | &nbsp;&nbsp;**2693** | &nbsp;&nbsp;**9.99%** | &nbsp;&nbsp;**139** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;134 | &nbsp;&nbsp;96.40% | &nbsp;&nbsp;$58000369.00 | &nbsp;&nbsp;97.79% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.60% | &nbsp;&nbsp;$1310261.41 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;139 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$59310630.41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;24 | &nbsp;&nbsp;17.27% | &nbsp;&nbsp;$9796932.41 | &nbsp;&nbsp;16.52% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;32.37% | &nbsp;&nbsp;$15742297.00 | &nbsp;&nbsp;26.54% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;63 | &nbsp;&nbsp;45.32% | &nbsp;&nbsp;$27326201.00 | &nbsp;&nbsp;46.07% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.04% | &nbsp;&nbsp;$6445200.00 | &nbsp;&nbsp;10.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;136 | &nbsp;&nbsp;97.84% | &nbsp;&nbsp;$57046230.41 | &nbsp;&nbsp;96.18% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;$2264400.00 | &nbsp;&nbsp;3.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;81 | &nbsp;&nbsp;58.27% | &nbsp;&nbsp;$33902548.00 | &nbsp;&nbsp;57.16% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$1160000.00 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;11 | &nbsp;&nbsp;7.91% | &nbsp;&nbsp;$2349913.41 | &nbsp;&nbsp;3.96% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;$474197.00 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;34 | &nbsp;&nbsp;24.46% | &nbsp;&nbsp;$17359822.00 | &nbsp;&nbsp;29.27% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$175000.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$183750.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.60% | &nbsp;&nbsp;$1182400.00 | &nbsp;&nbsp;1.99% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;$2523000.00 | &nbsp;&nbsp;4.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;94 | &nbsp;&nbsp;67.63% | &nbsp;&nbsp;$39815639.00 | &nbsp;&nbsp;67.13% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;43 | &nbsp;&nbsp;30.94% | &nbsp;&nbsp;$17322491.41 | &nbsp;&nbsp;29.21% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;$2172500.00 | &nbsp;&nbsp;3.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$59310630.41** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 10/27/2025 4:05:19 PM** | **Run Date - 10/27/2025 4:05:19 PM** | **Run Date - 10/27/2025 4:05:19 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Appraised Value | [redacted] | [redacted} | Verified | Field Value captured from Valuation model in file |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 9.88 | 9.785 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | City | [redacted] | [redacted} | Verified | Field Value reflects City per Note |
| XXX | XXX | XXX |  |  | Original Loan Amount | [redacted] | [redacted} | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Borrower Full Name | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Original Interest Rate | 10.68 | 10.675 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Borrower Full Name | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | City | [redacted] | [redacted} | Verified | Field Value reflects City per Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 9 | 8.9 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Borrower Full Name | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Zip | [redacted] | [redacted} | Verified | Field Value reflects Zip per Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 10.68 | 10.675 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Original Interest Rate | 11.38 | 11.375 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Zip | [redacted] | [redacted} | Verified | Field Value reflects Zip per Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Borrower Full Name | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Loan Amount | [redacted] | [redacted} | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Original Interest Rate | 8.88 | 10.625 | Verified | Field Value reflects Interest Rate per the Note rider |
| XXX | XXX | XXX |  |  | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted} | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| XXX | XXX | XXX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | City | [redacted] | [redacted} | Verified | Per Correction Deed |
| XXX | XXX | XXX |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted} | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Unable to verify due to missing information |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Contract Sales Price | [redacted] | [redacted} | Verified | Unable to verify due to missing information |
| XXX | XXX | XXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Per guidelines to use score of the high |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted} | Verified | DSCR - $XX / $XX = XX updated as per document which includes HOA fees. Field Value is including $XX monthly HOA. |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | The Bid Tape Field Value was not provided |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | Field Value reflects Note value |
| XXX | XXX | XXX |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXX | XXX | XXX |  |  | Cash To Borrower | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Appraisal Effective Date | [redacted] | [redacted} | Verified | Field Value captured from Valuation model in file |
| XXX | XXX | XXX |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXX | XXX | XXX |  |  | Original HLTV |  | 65 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Last Property Transfer Date | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower EIN | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | LTV Valuation Value | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Contract Sales Price | [redacted] | [redacted} | Verified | This is a Refinance transaction. |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | Field Value reflects Note value |
| XXX | XXX | XXX |  |  | Property Type |  | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
| XXX | XXX | XXX |  |  | Appraisal Effective Date | [redacted] | [redacted} | Verified | Tape Value reflects Appraisal Date |
| XXX | XXX | XXX |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| XXX | XXX | XXX |  |  | Cash From Borrower | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower Citizenship | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Last Property Transfer Date | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Appraisal As-Is Value | XXX |  | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower EIN | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Interest Only |  | 0 | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Cash From Borrower | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Original HLTV |  | 75 | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Loan to Cost (LTC) | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Blanket Mortgage? |  | 0 | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Borrower EIN | [redacted] | [redacted} | Verified | The bid tape field value was not provided. |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | Field Value reflects Note value |
| XXX | XXX | XXX |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXX | XXX | XXX |  |  | Appraisal Effective Date | [redacted] | [redacted} | Verified | Tape Value reflects Appraisal Date |
| XXX | XXX | XXX |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXX | XXX | XXX |  |  | Borrower FTHB | [redacted] | [redacted} | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXX | XXX | XXX |  |  | Cash From Borrower | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower Citizenship | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Last Property Transfer Date | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Loan to Cost (LTC) | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Appraisal As-Is Value | XXX |  | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower EIN | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | LTV Valuation Value | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Contract Sales Price | [redacted] | [redacted} | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXX | XXX | XXX |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted} |  |  |
| XXX | XXX | XXX |  |  | Borrower SSN | [redacted] | [redacted} | Verified | Field Value verified by application or other documentation in file |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | Field Value reflects Note value |
| XXX | XXX | XXX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXX | XXX | XXX |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXX | XXX | XXX |  |  | Appraisal Effective Date | [redacted] | [redacted} | Verified | Tape Value reflects Appraisal Date |
| XXX | XXX | XXX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXX | XXX | XXX |  |  | Borrower FTHB | [redacted] | [redacted} | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXX | XXX | XXX |  |  | Cash From Borrower | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Total Income | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Appraisal As-Is Value | XXX |  | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Contract Sales Price | [redacted] | [redacted} | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXX | XXX | XXX |  |  | Street | [redacted] | [redacted} | Verified | Field Value reflects Street per Note |
| XXX | XXX | XXX |  |  | Borrower SSN | [redacted] | [redacted} | Verified | Field Value verified by application or other documentation in file |
| XXX | XXX | XXX |  |  | Coborrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Coborrower SSN | [redacted] | [redacted} | Verified | Field Value verified by application or other documentation in file |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | First Payment Date | [redacted] | [redacted} | Verified | Field Value reflects First Payment Date per the Note |
| XXX | XXX | XXX |  |  | Maturity Date | [redacted] | [redacted} | Verified | Field Value reflects Maturity Date per the Note |
| XXX | XXX | XXX |  |  | Original P&I | [redacted] | [redacted} | Verified | Field Value reflects Note value |
| XXX | XXX | XXX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXX | XXX | XXX |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXX | XXX | XXX |  |  | Appraisal Effective Date | [redacted] | [redacted} | Verified | Tape Value reflects Appraisal Date |
| XXX | XXX | XXX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXX | XXX | XXX |  |  | Borrower FTHB | [redacted] | [redacted} | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXX | XXX | XXX |  |  | Coborrower FTHB | [redacted] | [redacted} | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXX | XXX | XXX |  |  | Cash From Borrower | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Total Income | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | PITIA Reserves Months | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted} | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Appraisal As-Is Value | XXX |  | Verified | Field value reflects source document |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Property Type | Single Family | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field value represent the Guarantor with the highest middle score. |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted} | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Representative FICO | [redacted] | [redacted} | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXX | XXX | XXX |  |  | Contract Sales Price | [redacted] | [redacted} | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Property Type | 2 Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 7.375 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 6.5 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 7.125 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 6.375 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 7.375 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | City | [redacted] | [redacted} | Verified | Field Value reflects City per Note |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower SSN | [redacted] | [redacted} | Verified | Field Value verified by application or other documentation in file |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 8.125 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Borrower First Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Borrower SSN | [redacted] | [redacted} | Verified | Field Value verified by application or other documentation in file |
| XXX | XXX | XXX |  |  | Note Date | [redacted] | [redacted} | Verified | Field Value reflects Note Date per the Note |
| XXX | XXX | XXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXX | XXX | XXX |  |  | Original Interest Rate |  | 7.75 | Verified | Field Value reflects the Note value |
| XXX | XXX | XXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXX | XXX | XXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | XXX | XXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted} | Verified | Higher Lease amount used to calculate DSCR. |
| XXX | XXX | XXX |  |  | Borrower Last Name | [redacted] | [redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | XXX |  |  | Original LTV | XXX | XXX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/XX/2025 4:03:38 PM** | **Run Date - 10/XX/2025 4:03:38 PM** | **Run Date - 10/XX/2025 4:03:38 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXXX | XXXXX | XXXXX |  | 31966586 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-XX-20): Cleared with Confirming [redacted] a business day | 11/XX/2024 11:48:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31966589 |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] 2014 - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). |  |  |  | Reviewer Comment (2024-XX-22): Waived per client guidance. |  |  | 11/XX/2024 12:23:43 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | C | C | A | C | C | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 31966591 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Latest LE and initial CD issued on same day. |  |  |  | Reviewer Comment (2024-XX-21): Proof of issue date and proof of receipt provided.<br>Reviewer Comment (2024-XX-18): Trailing docs received, nothing in file to address this. | 11/XX/2024 5:35:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined cure | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31966594 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier receipt missing from file. |  |  |  | Reviewer Comment (2024-XX-22): Waived per client guidance.<br>Reviewer Comment (2024-XX-21): [redacted]Timing. Except as provided in § [redacted], and [redacted]the disclosures required by [redacted]must be received by the consumer no later than [redacted] business days before consummation. In this case. the [redacted] initial CD is received by the borrower on [redacted] The Consummation date is [redacted] is closing date and does not count. [redacted] is sunday and does not count. [redacted] is one day before closing, [redacted] is [redacted] days prior to closing and [redacted] is [redacted] days prior to closing. The initial CD was not received by the borrower [redacted] or more days prior to closing. This is a timing exception with no visible means of cure.<br>Reviewer Comment (2024-XX-20): Borrower did not esign the CD dated [redacted] until [redacted]<br>Reviewer Comment (2024-XX-18): Trailing docs do not provide evidence of earlier receipt of initial CD issued [redacted] e-signed [redacted] |  |  | 11/XX/2024 2:37:04 PM | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase | No Defined Cure | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31966595 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. | Evidence of earlier receipt missing from file. |  |  |  | Reviewer Comment (2024-XX-22): Waived per client guidance.<br>Reviewer Comment (2024-XX-22): In this case the [redacted] LE is received by the borrower on [redacted] The Consummation date is [redacted] is closing date and does not count. [redacted] is [redacted] and does not count. [redacted] is one day before closing, [redacted] is [redacted]days prior to closing and [redacted] is [redacted]days prior to closing. The revised LE was not received by the borrower [redacted] or more days prior to closing. This is a timing exception with no visible means of cure.<br>Reviewer Comment (2024-XX-21): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. [redacted]<br>Reviewer Comment (2024-XX-20): The LEs in the file Dated[redacted] were not received and esigned by the borrower until [redacted]. File also contains an LE dated [redacted], esigned by the borrower on [redacted]<br>Reviewer Comment (2024-XX-18): Trailing docs do not provide evidence of earlier receipt of revised LE issued [redacted] e-signed same day. |  |  | 11/XX/2024 2:37:15 PM | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase | No Defined Cure | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31966603 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2024-XX-13): Provided and cleared | 11/XX/2024 8:09:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31966613 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-04): BPO provided and cleared. | 11/XX/2024 1:39:05 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31980232 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-XX-20): Cleared with Confirming [redacted] a business day<br>Reviewer Comment (2024-XX-18): [redacted]is not [redacted] business days prior to [redacted] closing, exception remains. | 11/XX/2024 11:48:25 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 31980233 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-XX-20): Cleared with Confirming [redacted] a business day<br>Reviewer Comment (2024-XX-18): [redacted] is not [redacted] business days prior to [redacted]closing, exception remains. | 11/XX/2024 11:48:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 32158463 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing. | [redacted] LE e-signed by borrower [redacted] closing. |  |  |  | Reviewer Comment (2024-XX-22): Waived per client guidance.<br>Reviewer Comment (2024-XX-22): In this case the [redacted] LE is received by the borrower on [redacted]. The Consummation date is [redacted]is closing date and does not count. [redacted] is [redacted] and does not count[redacted] is one day before closing, [redacted] is [redacted]days prior to closing and [redacted] is [redacted]days prior to closing. The revised LE was not received by the borrower [redacted] or more days prior to closing. This is a timing exception with no visible means of cure.<br>Reviewer Comment (2024-XX-20): The LEs in the file Dated [redacted] were not received and esigned by the borrower until [redacted] File also contains an LE dated [redacted], esigned by the borrower on [redacted]<br>Seller Comment (2024-XX-20): We had an issue with our system, and it was showing the same date on all our docs. See Doc Magic docs in file was created and sent to borrower on [redacted] & [redacted] DAY CD was created and sent [redacted]. I have also added a calendar for proof it was received [redacted] days prior to closing. [redacted] |  |  | 11/XX/2024 2:37:09 PM | 3 |  | C |  | C |  | C |  | C |  | C |  | TX | Primary | Purchase | No Defined Cure | D | C | C | A | C | C | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33278375 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-XX-10): Provided.<br>Buyer Comment (2024-XX-06): [redacted]-Upload POD<br>Reviewer Comment (2024-XX-29): This is not asking for the appraisal transfer letter. Evidence appraisal was received at least [redacted] business days prior to consummation is required to clear condition.<br>Buyer Comment (2024-XX-26): appraisal docs uploaded | 12/XX/2024 12:57:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278376 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - [redacted]Not Exempt | TILA HPML Appraisal Rule [redacted]): ATR Exempt [redacted] loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted][redacted]due to loan failing one or more of the QM requirements under [redacted] (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2024-XX-10): Provided.<br>Buyer Comment (2024-XX-06): [redacted]-Upload POD<br>Reviewer Comment (2024-XX-29): This is not asking for the appraisal transfer letter. Evidence appraisal was received at least [redacted] business days prior to consummation is required to clear condition.<br>Buyer Comment (2024-XX-26): [redacted]-Appraisal Transfer Letter | 12/XX/2024 12:57:04 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278377 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | The first appraisal report completed on [redacted] was not delivered to the borrower within [redacted] business days of closing. |  |  |  | Reviewer Comment (2024-XX-10): Provided.<br>Reviewer Comment (2024-XX-29): This is not asking for the appraisal transfer letter. Evidence appraisal was received at least [redacted] business days prior to consummation is required to clear condition.<br>Buyer Comment (2024-XX-26): [redacted]-Appraisal Transfer Letter | 12/XX/2024 12:57:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278378 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approved to exceed the maximum LTV of [redacted]% and go to [redacted]% LTV. Compensating Factors: 1) [redacted]months reserves; 2) [redacted] months on job; 3) no derogatory credit history; 4) more than [redacted] tradelines rated for over [redacted] years on credit, and 5) over [redacted] months additional reserves when loan amount is under $[redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2024-XX-22): Lender exception approved to exceed the maximum LTV of [redacted]% and go to [redacted]% LTV. Compensating Factors: 1) [redacted]months reserves; 2) [redacted]months on job; 3) no derogatory credit history; 4) more than 3 tradelines rated for over [redacted] years on credit, and 5) over [redacted] months additional reserves when loan amount is under [redacted] |  |  | 11/XX/2024 12:54:04 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278379 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception approved for borrower's FICO of [redacted]when minimum required FICO is [redacted]. Compensating Factors: 1) [redacted]months reserves; 2) [redacted]months on job; 3) no derogatory credit history; 4) more than [redacted]tradelines rated for over [redacted]years on credit, and 5) over [redacted]months additional reserves when loan amount is under [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2024-XX-22): Lender exception approved for borrower's FICO of [redacted]when minimum required FICO is [redacted]. Compensating Factors: 1) [redacted]months reserves; 2) [redacted] months on job; 3) no derogatory credit history; 4) more than [redacted] tradelines rated for over [redacted] years on credit, and 5) over [redacted] months additional reserves when loan amount is under [redacted] |  |  | 11/XX/2024 12:54:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278382 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] received COC stating Loan locked however it is not a valid reason for the Attorney fees to be charged on [redacted].Kindly provide a valid COC as to why the Attorney Fees were charged on [redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2024-XX-16): [redacted] Received Corrected PCCD and LOE.<br>Buyer Comment (2024-XX-13): [redacted]-Upload LOX<br>Reviewer Comment (2024-XX-10): Please provide LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2024-XX-10): [redacted]-Upload PCCD and Letter<br>Reviewer Comment (2024-XX-03): [redacted] received rebuttal, however this is not duplicate exception. This exception is for attorney fee disclosed on sec C of CD without title prefix, If fee was not required, it should be listed in [redacted] instead of section [redacted]. Corrected CD and LOE required to remediate.<br>Buyer Comment (2024-XX-02): [redacted]-Duplicate Condition-Condition cancelled [redacted] | 12/XX/2024 12:49:31 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278456 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Set and Initial Rate Lock Date not provided. |  |  |  | Reviewer Comment (2024-XX-09): Cleared.<br>Buyer Comment (2024-XX-05): Please find attached the lock confirmation for this loan. Thank you. | 12/XX/2024 4:07:59 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278458 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  | Reviewer Comment (2025-XX-09): High cost fee violation cured.<br>Buyer Comment (2025-XX-08): please see uploaded HOEPA cure letter, refund check, and evidence of delivery<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by $[redacted]. It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline /[redacted]: Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; [redacted] Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Buyer Comment (2024-XX-31): please see attached PCCD and LOE, PCCD on page [redacted] shows Admin fee of $[redacted] was NOT PAID TO [redacted]<br>Buyer Comment (2024-XX-31): please see attached PCCD and LOE, PCCD on page [redacted] shows Admin fee of $[redacted]was NOT PAID TO [redacted]<br>Reviewer Comment (2024-XX-31): LOE was received; however, no PCCD was received matching the LOE date. Please provide PCCD and LOE to borrower for review.<br>Buyer Comment (2024-XX-27): Can you please re review the high-cost calculation, $[redacted]administration fee was not paid to [redacted] (correct PCCD uploaded)<br>Reviewer Comment (2024-XX-17): Federal loan amount: $[redacted]. [redacted]% max is $[redacted]. Fees included: Administrative Fee $[redacted](not included on high cost analysis provided) + Appraisal Review Fee $[redacted]+ Document Prep Fee $[redacted]+ Discount points $[redacted]+ Originator Compensation $[redacted]+ Underwriting Fee $[redacted](high cost analysis reflects $[redacted]), for total fees of $[redacted], which exceeds max [redacted]% by $[redacted]. If Lender will be providing cure, please reach out PRIOR to issuing cure documents for correct cure procedure.<br>Buyer Comment (2024-XX-13): The provided compliance report on page [redacted] says it passed high cost test<br>Reviewer Comment (2024-XX-11): The high cost analysis provided indicates that the loan tested as high cost on Page 1.<br>Buyer Comment (2024-XX-09): Please see attached compliance report reflecting High cost Pass | 1/XX/2025 7:14:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278459 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2025-XX-09): High cost fee violation cured.<br>Buyer Comment (2025-XX-08): EXECUTED HOEPA LETTER<br>Buyer Comment (2025-XX-08): CURE CHECK AND TRACKING TO BORROWER<br>Buyer Comment (2025-XX-08): UPLOADED SIGNED HOEPA LETTER, CURE CHECK AND EVIDENCE OF DELIVERY<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by $[redacted]. It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline [redacted]: Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; ([redacted]) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Buyer Comment (2024-XX-31): please see attached PCCD for admin fee and LOE<br>Reviewer Comment (2024-XX-31): LOE was received; however, no PCCD was received matching the LOE date. Please provide PCCD and LOE to borrower for review.<br>Buyer Comment (2024-XX-27): Can you please re review the high-cost calculation, $[redacted]administration fee was not paid to [redacted](correct PCCD uploaded)<br>Reviewer Comment (2024-XX-17): Federal loan amount: $[redacted]. [redacted]% max is $[redacted]. Fees included: Administrative Fee $[redacted](not included on high cost analysis provided) + Appraisal Review Fee $[redacted]+ Document Prep Fee $[redacted]+ Discount points $[redacted]+ Originator Compensation $[redacted]+ Underwriting Fee $[redacted](high cost analysis reflects $[redacted]), for total fees of $[redacted], which exceeds max [redacted]% by $[redacted]. If Lender will be providing cure, please reach out PRIOR to issuing cure documents for correct cure procedure.<br>Buyer Comment (2024-XX-13): The provided compliance report on page [redacted] says it passed high cost test<br>Reviewer Comment (2024-XX-11): The high cost analysis provided indicates that the loan tested as high cost on Page 1.<br>Buyer Comment (2024-XX-09): Please see attached compliance report reflecting High cost Pass | 1/XX/2025 7:14:50 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278460 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. | Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. |  |  |  | Reviewer Comment (2025-XX-09): High cost fee violation cured.<br>Buyer Comment (2025-XX-08): please see uploaded HOEPA cure letter, refund check, and evidence of delivery<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by [redacted]. It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline[redacted]5: Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Buyer Comment (2024-XX-31): please see attached PCCD for admin fee and LOE<br>Reviewer Comment (2024-XX-31): LOE was received; however, no PCCD was received matching the LOE date. Please provide PCCD and LOE to borrower for review.<br>Buyer Comment (2024-XX-27): Can you please re review the high-cost calculation, [redacted] administration fee was not paid to [redacted] (correct PCCD uploaded)<br>Reviewer Comment (2024-XX-17): Federal loan amount: [redacted] [redacted]% max is $[redacted]. Fees included: Administrative Fee $[redacted](not included on high cost analysis provided) + Appraisal Review Fee $[redacted]+ Document Prep Fee $[redacted]+ Discount points $[redacted]+ Originator Compensation $[redacted]+ Underwriting Fee $[redacted](high cost analysis reflects $[redacted]), for total fees of $[redacted], which exceeds max [redacted]% by $[redacted]. If Lender will be providing cure, please reach out PRIOR to issuing cure documents for correct cure procedure.<br>Buyer Comment (2024-XX-13): The provided compliance report on page [redacted] says it passed high cost test<br>Reviewer Comment (2024-XX-11): The high cost analysis provided indicates that the loan tested as high cost on Page 1.<br>Buyer Comment (2024-XX-09): Please see attached compliance report reflecting High cost Pass | 1/XX/2025 7:14:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278461 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-XX-09): [redacted] received LOE to borrower, borrower choice letter indicating that they choose to accept refund and make loan not high cost, copy of refund check and proof of mailing.<br>Buyer Comment (2025-XX-08): please see uploaded HOEPA cure letter, refund check, and evidence of delivery<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by [redacted] It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline [redacted]: Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Reviewer Comment (2025-XX-03): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of[redacted] an allowable total of[redacted]. Non-Compliant High Cost Loan.<br>Buyer Comment (2024-XX-31): please see attached PCCD for admin fee and LOE<br>Reviewer Comment (2024-XX-31): LOE was received; however, no PCCD was received matching the LOE date. Please provide PCCD and LOE to borrower for review.<br>Buyer Comment (2024-XX-27): Can you please re review the high-cost calculation,[redacted] administration fee was not paid to [redacted] (correct PCCD uploaded)<br>Reviewer Comment (2024-XX-17): Federal loan amount: [redacted] max is [redacted]. Fees included: Administrative Fee [redacted] (not included on high cost analysis provided) + Appraisal Review Fee [redacted] Document Prep Fee [redacted] + Discount points [redacted]Originator Compensation [redacted] Underwriting Fee [redacted] (high cost analysis reflects [redacted], for total fees of [redacted] which exceeds max [redacted]. If Lender will be providing cure, please reach out PRIOR to issuing cure documents for correct cure procedure.<br>Buyer Comment (2024-XX-13): The provided compliance report on page [redacted] says it passed high cost test<br>Reviewer Comment (2024-XX-11): The high cost analysis provided indicates that the loan tested as high cost on Page 1.<br>Buyer Comment (2024-XX-09): Please see attached compliance report reflecting High cost Pass |  | 1/XX/2025 7:14:28 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TN | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278462 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2025-XX-09): High cost fee violation cured.<br>Buyer Comment (2025-XX-08): please see uploaded HOEPA cure letter, refund check, and evidence of delivery<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by $[redacted]. It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline [redacted] Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Buyer Comment (2024-XX-31): please see attached PCCD for admin fee and LOE<br>Reviewer Comment (2024-XX-31): LOE was received; however, no PCCD was received matching the LOE date. Please provide PCCD and LOE to borrower for review.<br>Buyer Comment (2024-XX-27): Can you please re review the high-cost calculation, [redacted] administration fee was not paid to [redacted] (correct PCCD uploaded)<br>Reviewer Comment (2024-XX-17): Federal loan amount: [redacted]. Fees included: Administrative Fee [redacted] (not included on high cost analysis provided) + Appraisal Review Fee $[redacted] Discount points [redacted] Originator Compensation [redacted] + Underwriting Fee [redacted] (high cost analysis reflects $[redacted]), for total fees of[redacted][redacted], which exceeds max [redacted]. If Lender will be providing cure, please reach out PRIOR to issuing cure documents for correct cure procedure.<br>Buyer Comment (2024-XX-13): The provided compliance report on page 1 says it passed high cost test<br>Reviewer Comment (2024-XX-11): The high cost analysis provided indicates that the loan tested as high cost on Page 1.<br>Buyer Comment (2024-XX-09): Please see attached compliance report reflecting High cost Pass | 1/XX/2025 7:14:59 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278463 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | [redacted] Ability To Repay Income and Assets - No Income Provided | [redacted] High-Cost Mortgage (Closed-end ATR): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  | Reviewer Comment (2025-XX-09): High cost fee violation cured.<br>Buyer Comment (2025-XX-08): please see uploaded HOEPA cure letter, refund check, and evidence of delivery<br>Reviewer Comment (2025-XX-03): After receipt of the final CD, the HOEPA points and fees have been adjusted. Note that the Home Ownership Counseling fee was paid to lender and should have been included initially. HOEPA points and fees exceed threshold by [redacted] It appears the lender did not include the full amount of the underwriting fee or the home ownership counseling fee.<br> Cure deadline [redacted] Provide (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. Borrower must be given the choice and evidence of borrower's selection must be provided.<br>Buyer Comment (2024-XX-31): please see attached PCCD for admin fee and LOE<br>Reviewer Comment (2024-XX-20): Condition is related to the HOEPA conditions. Once they are addressed, this condition can be re-reviewed. This is a purchase of a primary residence, and not a business purpose loan.<br>Buyer Comment (2024-XX-18): this is Business purpose no ratio loan-income not required | 1/XX/2025 7:15:03 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278464 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final CD dated [redacted] non-escrowed property cost is blank on page [redacted]. HOA is not included. |  |  |  | Reviewer Comment (2024-XX-30): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-XX-27): please see LOE<br>Reviewer Comment (2024-XX-23): [redacted] received Post CD. However, we would also require detailed LOX for the changes made on Post CD.<br>Buyer Comment (2024-XX-20): Please see attached PCCD-HOA amount updated on page 4<br>Reviewer Comment (2024-XX-11): [redacted] Received Corrected PCCD and LOE showing estimated total amount over year [redacted] for your non escrowed property cost as [redacted] however, as per appraisal report monthly HOA is [redacted] and Yearly comes to [redacted] Provide Corrected PCCD and LOE showing non escrowed property cost as [redacted] on page [redacted]<br>Buyer Comment (2024-XX-10): Please see attached PCCD and letter |  | 12/XX/2024 1:32:57 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278465 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2024-XX-30): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-XX-27): please see attached LOE<br>Reviewer Comment (2024-XX-23): [redacted] received Post CD. However, we would also require detailed LOX for the changes made on Post CD.<br>Buyer Comment (2024-XX-20): Please see attached PCCD-the payee was incorrect for admin fee , which is now corrected<br>Reviewer Comment (2024-XX-11): [redacted] Administration fee added on Final CD dated [redacted] without valid COC and paid to lender. Provide Valid COC or Cure Docs with placement of fee under correct section. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-XX-10): In which section in CD are you seeing the administration fee. Please elaborate. |  | 12/XX/2024 1:33:27 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278466 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] fee tolerance exceeded; however, sufficient cure was provided. |  |  |  | Reviewer Comment (2025-XX-03): Sufficient Cure Provided At Closing |  | 1/XX/2025 11:55:36 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TN | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278469 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-XX-31): Received appraisal delivery email<br>Buyer Comment (2024-XX-27): Please see attached appraisal delivery confirmation email<br>Reviewer Comment (2024-XX-23): There is a final report dated [redacted] in the file, which requires evidence of delivery to the borrower at least business days prior to closing. The [redacted] preliminary report delivery was already provided during initial review.<br>Buyer Comment (2024-XX-19): Please see attached appraisal report with a Date of Signature and Report of[redacted]<br>Buyer Comment (2024-XX-19): Please see attached Appraisal Delivery Email | 12/XX/2024 9:27:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278470 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule ([redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted] due to loan failing one or more of the QM requirements under [redacted] (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2024-XX-31): Received appraisal delivery email<br>Buyer Comment (2024-XX-27): Please see attached appraisal delivery confirmation email<br>Reviewer Comment (2024-XX-23): Condition is related to transferred appraisal. Client can elect to waive; however, we are not able to clear.<br>Buyer Comment (2024-XX-19): Please see attached appraisal report with a Date of Signature and Report of[redacted]<br>Buyer Comment (2024-XX-19): Please see attached Appraisal Delivery Email | 12/XX/2024 9:27:37 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | SC | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278471 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. (Type:[redacted] |  |  |  | Reviewer Comment (2024-XX-31): Received appraisal delivery email<br>Buyer Comment (2024-XX-27): Please see attached appraisal delivery confirmation email<br>Reviewer Comment (2024-XX-23): There is a final report dated [redacted] in the file, which requires evidence of delivery to the borrower at least 3 business days prior to closing. The [redacted] preliminary report delivery was already provided during initial review.<br>Buyer Comment (2024-XX-19): Please see attached appraisal report with a Date of Signature and Report of [redacted]<br>Buyer Comment (2024-XX-19): Please see attached Appraisal Delivery Email | 12/XX/2024 9:27:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278484 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2025-XX-10): High cost fee overage cured.<br>Buyer Comment (2025-XX-09): HOEPA LETTER SIGNED BY BORROWER<br>Buyer Comment (2025-XX-09): TRACKING AND CHECK FOR CURE<br>Buyer Comment (2025-XX-09): UPLOADING HOEPA LETTER AND CURE/TRACKING<br>Reviewer Comment (2024-XX-20): Third party processing fee excluded from HOEPA. Loan still exceeds threshold by $[redacted]. The HOEPA violation may be cured, within [redacted]days of consummation or [redacted]days of discovery, by providing the following:<br> (1) Signed letter from borrower indicating their choice to either (a) accept refund of $[redacted]and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> Importantly for #[redacted], the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Buyer Comment (2024-XX-18): [redacted]-Upload Invoice and LOX<br>Reviewer Comment (2024-XX-18): Document provided is a fraud report, not compliance/high cost analysis. HOEPA calculations are as follows: Loan amount: $[redacted]. Fees included: Appraisal Review Fee $[redacted], document preparation fee $[redacted], Discount Points $[redacted]+ originator compensation $[redacted], Processing Fee $[redacted], Underwriting Fee $[redacted]for total of $[redacted], which exceeds the maximum of [redacted]. If lender chooses to cure, please reach out to TPR prior to issuing any cure for proper cure provisions.<br>Buyer Comment (2024-XX-16): [redacted]Upload Compliance Report | 1/XX/2025 11:43:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278485 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. |  |  |  |  | Reviewer Comment (2025-XX-10): High cost fee overage cured.<br>Buyer Comment (2025-XX-08): [redacted]and check attached | 1/XX/2025 11:43:50 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278486 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-XX-10): [redacted]received LOE to borrower, borrower choice letter indicating that they choose to accept refund and make loan not high cost, copy of refund check and proof of mailing.<br>Reviewer Comment (2024-XX-20): Third party processing fee excluded from HOEPA. Loan still exceeds threshold by $[redacted]. The HOEPA violation may be cured, within [redacted]days of consummation or [redacted]days of discovery, by providing the following:<br> (1) Signed letter from borrower indicating their choice to either (a) accept refund of $[redacted]and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> Importantly for #[redacted], the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Reviewer Comment (2024-XX-20): Third party processing fee excluded from HOEPA. Loan still exceeds threshold by[redacted] The HOEPA violation may be cured, within [redacted]days of consummation or [redacted]days of discovery, by providing the following:<br> (1) Signed letter from borrower indicating their choice to either (a) accept refund of $[redacted]and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> Importantly for #[redacted], the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Reviewer Comment (2024-XX-20): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of[redacted]). Non-Compliant High Cost Loan. |  | 1/XX/2025 11:43:30 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MI | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278487 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2025-XX-10): High cost fee overage cured.<br>Reviewer Comment (2024-XX-20): Cleared in error. This condition will be re-reviewed once all HOEPA conditions have been reviewed/cleared/cured.<br>Reviewer Comment (2024-XX-20): Clear.<br>Buyer Comment (2024-XX-18): [redacted]-Certificate<br>Reviewer Comment (2024-XX-18): Document provided is a fraud report, not compliance/high cost analysis. HOEPA calculations are as follows: Loan amount: $[redacted]. Fees included: Appraisal Review Fee $[redacted], document preparation fee $[redacted], Discount Points $[redacted]+ originator compensation $[redacted], Processing Fee $[redacted], Underwriting Fee $[redacted]for total of $[redacted], which exceeds the maximum of [redacted] If lender chooses to cure, please reach out to TPR prior to issuing any cure for proper cure provisions.<br>Buyer Comment (2024-XX-16): [redacted]-Counseling Certificate<br>Buyer Comment (2024-XX-16): [redacted]-Counseling | 1/XX/2025 11:43:58 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278488 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | HOEPA Ability To Repay Income and Assets - No Income Provided | [redacted]High-Cost Mortgage (Closed-end ATR): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  |  | Reviewer Comment (2025-XX-10): High cost fee overage cured.<br>Reviewer Comment (2024-XX-18): Document provided is a fraud report, not compliance/high cost analysis. HOEPA calculations are as follows: Loan amount: $[redacted]. Fees included: Appraisal Review Fee $[redacted], document preparation fee $[redacted], Discount Points $[redacted]+ originator compensation $[redacted], Processing Fee $[redacted], Underwriting Fee $[redacted]for total of $[redacted], which exceeds the maximum of [redacted] If lender chooses to cure, please reach out to TPR prior to issuing any cure for proper cure provisions.<br>Buyer Comment (2024-XX-17): [redacted]-Borrower is not using income on this loan. Please provide further clarification or clear condition | 1/XX/2025 11:44:06 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278490 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Missing HOEPA Notice to assignees |  |  |  | Reviewer Comment (2025-XX-10): High cost fee overage cured.<br>Reviewer Comment (2024-XX-18): Document provided is a fraud report, not compliance/high cost analysis. HOEPA calculations are as follows: Loan amount: $[redacted]. Fees included: Appraisal Review Fee $[redacted], document preparation fee $[redacted], Discount Points $[redacted]+ originator compensation $[redacted], Processing Fee $[redacted], Underwriting Fee $[redacted]for total of $[redacted], which exceeds the maximum of $[redacted]by $[redacted]. If lender chooses to cure, please reach out to [redacted]prior to issuing any cure for proper cure provisions.<br>Buyer Comment (2024-XX-17): is this a disclosure that is needed when income is used? if so that is not the case | 1/XX/2025 11:44:22 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278492 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-XX-07): Received property history report reflecting sales price of $[redacted]for the [redacted]prior sale.<br>Reviewer Comment (2024-XX-30): This condition is in relation to the open appraisal conditions for a flipped property. Once those are addressed, this can be re-reviewed.<br>Buyer Comment (2024-XX-26): [redacted]-Upload Compliance/Lock | 1/XX/2025 11:46:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278493 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - [redacted]Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted]due to loan failing one or more of the QM requirements under [redacted](Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2025-XX-07): Received property history report reflecting sales price of $[redacted]for the [redacted] prior sale. | 1/XX/2025 11:46:03 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278494 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Flipped Property - Creditor did not obtain two ([redacted]) written appraisals. |  |  |  |  | Reviewer Comment (2025-XX-07): Received property history report reflecting sales price of $[redacted]for the [redacted] prior sale.<br>Buyer Comment (2025-XX-06): [redacted]Property Report<br>Reviewer Comment (2025-XX-02): The requirement for [redacted]appraisals is not related to [redacted] guidelines. <br>The subject property is considered a "flipped property" as the appraisal in file currently reflects a previous sale on [redacted] in the amount of $[redacted]. Flipped properties require [redacted]full appraisals, from different appraisers.<br>If there is evidence of the transfer on [redacted] not being a sale, but rather transfer between family members, for example, or you have evidence of the actual sales price for the [redacted] transfer, that can be provided for review of the current open conditions regarding the flipped property requirements.<br>Buyer Comment (2024-XX-30): [redacted] The following requirement for a different appraisal company/appraiser is not in guidelines-Updated Appraisal provided and should be sufficient<br>Reviewer Comment (2024-XX-19): The second appraisal required must be from different appraiser and appraisal company.<br>Buyer Comment (2024-XX-17): [redacted]-Upload Appraisal<br>Reviewer Comment (2024-XX-16): Received same appraisal as in original loan file. Subject property is considered a flipped transaction and a full second appraisal was required to be completed at origination.<br>Buyer Comment (2024-XX-12): [redacted]-Updated Appraisal | 1/XX/2025 11:46:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278495 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Proof of appraisal delivery for final appraisal report dated [redacted]not provided in loan file. |  |  |  | Reviewer Comment (2024-XX-16): Received<br>Buyer Comment (2024-XX-12): [redacted]-Appraisal Delivery | 12/XX/2024 1:43:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278497 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance exceeded. The [redacted]form provided does not reflect a valid reason for the fee increase. It only states that an increased invoice was received. |  |  |  | Reviewer Comment (2025-XX-06): [redacted]Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-XX-03): [redacted]-PCCD/POD<br>Reviewer Comment (2024-XX-19): Uploaded COC does not state why the appraisal fee inceased.<br>Buyer Comment (2024-XX-18): [redacted]-Upload COC |  | 1/XX/2025 12:59:30 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278555 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-XX-09): Sufficient Cure Provided At Closing |  | 12/XX/2024 4:20:00 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278556 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-XX-17): Received title supplement<br>Buyer Comment (2024-XX-13): Please find attached title supplement reflecting correct loan amount. Thank you.<br>Buyer Comment (2024-XX-13): [redacted]-Upload Supp Title | 12/XX/2024 8:32:14 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | A | B | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278564 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]). Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of [redacted] (an overage of $[redacted]) |  |  |  | Reviewer Comment (2025-XX-10): [redacted] received documentation evidencing purpose of fee.<br>Buyer Comment (2025-XX-09): Per our compliance officer: Flood Cert with Life of Loan should not be included in the [redacted] High Cost Test. <br>"Points and fees" shall not include the following items: title insurance premiums and fees, charges and premiums paid to a person or entity holding an individual or organization insurance producer license in the line of title insurance or a title insurance company, as defined by subsection c. of section 1 of P.L.1975, c.106 (C.17:46B-1); taxes, filing fees, and recording and other charges and fees paid or to be paid to public officials for determining the existence of or for perfecting, releasing, or satisfying a security interest; and reasonable fees paid to a person other than a creditor or an affiliate of the creditor or to the mortgage broker or an affiliate of the mortgage broker for the following, provided that the conditions in 12 C.F.R. s.226.4(c)(7) are met: fees for tax payment services; fees for flood certification; fees for pest infestation and flood determinations; appraisal fees; fees for inspections performed prior to closing; fees for credit reports; fees for surveys; attorneys' fees; notary fees; escrow charges; and fire and flood insurance premiums, provided that the conditions in 12 C.F.R. s.226.4(d)(2) are met.<br>Reviewer Comment (2025-XX-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Compliant High Cost Loan.<br>Reviewer Comment (2025-XX-02): Per previous comments, an LOE from settlement agent as to why this should not be considered a finance charge is required for review. Further, the [redacted] search charge for the borrower is in the amount of $[redacted]per the invoice provided, and the total charge is $[redacted] per the closing statement.<br>Reviewer Comment (2025-XX-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Compliant High Cost Loan.<br>Buyer Comment (2024-XX-31): Please see the attached [redacted] invoice for [redacted]. The title company charged $[redacted]for performing [redacted] Searches to insure first lien position due to solar leases on the property. This is not an APR charge.<br>Reviewer Comment (2024-XX-24): Per our compliance team, Because the fee is paid to a third party (and not a government agency, for example), the determination of a Finance charge will be the purpose of the fee. If lender feels the purpose does not fall into a finance charge purpose, then a lender or settlement agent attestation giving the full purpose of the fee should be provided in order to determine if a finance charge.<br>Buyer Comment (2024-XX-20): Please see the attached Final Settlement Statement. The $[redacted]State Fees are [redacted] fees, which are not APR Charges and should not be included in the [redacted] Maximum Points and Fees Test. | 1/XX/2025 10:20:22 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278566 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-XX-10): Sufficient Cure Provided At Closing |  | 12/XX/2024 4:41:47 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278568 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-XX-30): Upon further review, Sufficient cure provided at closing<br>Buyer Comment (2024-XX-27): Please see the attached Final CD. A $[redacted]RESPA was added in section J for the invalid appraisal re-inspection fee increase | 12/XX/2024 2:40:06 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278570 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Provide a fully executed sales contract signed by buyer and seller. Copy provided is not signed by the sellers. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted] | Borrower's Own Funds Percent: [redacted]<br> Borrower's Own Funds Amount: [redacted] | SitusAMC | Reviewer Comment (2025-XX-07): Provide a fully executed sales contract signed by buyer and seller. Copy provided is not signed by the sellers.<br>Buyer Comment (2025-XX-03): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-XX-02): document provided is dated post-consummation. If Lender is accepting, they can request to waive condition; however, unless document was signed at or before consummation, condition cannot be cleared.<br>Buyer Comment (2024-XX-30): signed agreement<br>Reviewer Comment (2024-XX-20): Document provided is only the rider/amendment to purchase contract. The original purchase contract is not signed by the seller.<br>Buyer Comment (2024-XX-18): seller signed<br>Buyer Comment (2024-XX-18): Buyer signed |  |  | 1/XX/2025 7:58:28 AM | 2 | D | B | D | B | D | B | D | B | D | B |  | NJ | Primary | Purchase |  | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278598 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted]did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure provided without date issue and incomplete information. |  |  |  | Reviewer Comment (2024-XX-20): [redacted] received comment and as per blanket attestation blank CD removed from testing.<br>Buyer Comment (2024-XX-19): Please disregard any CD without issue date. Initial CD weas dated [redacted], then there was Another CD dated [redacted], and please see attached final CD date issued [redacted]. | 12/XX/2024 4:41:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Good Faith Redisclosure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278601 |  |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Security Instrument is not signed by borrower. |  |  |  | Reviewer Comment (2024-XX-23): Received<br>Buyer Comment (2024-XX-19): security instrument | 12/XX/2024 10:27:05 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278608 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-XX-31): Received appraisal delivery email<br>Buyer Comment (2024-XX-27): This condition is in relation to the report dated [redacted]. The only delivery notice provided is for the initial report dated [redacted].<br>Reviewer Comment (2024-XX-24): This condition is in relation to the open appraisal conditions. Once those are addressed, this condition can be re-reviewed.<br>Buyer Comment (2024-XX-20): Attached find the most recent [redacted]High Cost Pass and the Lock Confirmation.<br>Buyer Comment (2024-XX-20): Attached find the most recent [redacted] High Cost Pass and the Lock Confirmation. | 12/XX/2024 9:34:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278609 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal [redacted]Appraisal - [redacted]Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted]due to loan failing one or more of the QM requirements under [redacted](Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Buyer Comment (2024-XX-27): Due to this file having a transferred appraisal, I am requesting this condition to be waived per [redacted] direction.<br>Reviewer Comment (2024-XX-20): An EV2 is the loan grading. The condition cannot be cleared when a transferred appraisal is used in the transaction. The condition will need to be waived by the client.<br>Buyer Comment (2024-XX-18): I have attached the Appraisal Transfer Letter (was provided in original upload). I am unsure if this will clear this- but if I can get some clarification what you need if this does not clear it. Can you further clarify what you mean by "There is a transferred appraisal in the file. This will remain an EV2 that client can elect to waive, due to the transferred appraisal" - XX- what is an EV2? -- Thank you<br>Reviewer Comment (2024-XX-18): This condition is not due to appraisal delivery. There is a transferred appraisal in the file. This will remain an EV2 that client can elect to waive, due to the transferred appraisal.<br>Buyer Comment (2024-XX-16): Attached find the proof of delivery of the Appraisal to the borrower. This was included in the original upload of the file. |  |  | 12/XX/2024 12:38:55 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278610 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal report dated [redacted]is missing evidence of receipt. |  |  |  | Reviewer Comment (2024-XX-31): Received appraisal delivery email<br>Buyer Comment (2024-XX-27): appraisal confirmation uploaded<br>Reviewer Comment (2024-XX-18): This condition is in relation to the report dated [redacted]. The only delivery notice provided is for the initial report dated [redacted]. | 12/XX/2024 9:34:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278611 |  |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted]Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Loan is identified as a high-cost loan, and high-cost disclosures are missing. |  |  |  | Reviewer Comment (2024-XX-18): Received<br>Reviewer Comment (2024-XX-18): Document provided is not fully executed by all parties.<br>Buyer Comment (2024-XX-16): Attached find the [redacted] Complaint Disclosure - this was provided in the original upload. - Thank you | 12/XX/2024 7:35:26 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278612 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) South Carolina High-Cost Loan (Certification of Counseling) | [redacted] High-Cost Loan: Evidence of Counseling Certification not in file. | Loan is identified as a high-cost loan, and high-cost disclosures are missing. |  |  |  | Reviewer Comment (2025-XX-07): Received PCCD and LOE<br>Reviewer Comment (2024-XX-24): This condition is related to the state high cost conditions. Once those are addressed, this condition will be revisited.<br>Buyer Comment (2024-XX-20): Attached find the Evidence of Counseling Cert. If this does not clear this condition, is there a specific additional class for a [redacted] High Cost Loan they also must take you need proof of? | 1/XX/2025 1:22:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | See any available cure under the South Carolina High-Cost Loan threshold exception. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278613 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) South Carolina High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted]High-Cost Loan: Points and fees financed into loan exceed [redacted]% of total loan amount. | Loan is identified as a high-cost loan, and high-cost disclosures are missing. |  |  |  | Reviewer Comment (2025-XX-07): Received PCCD and LOE<br>Reviewer Comment (2024-XX-24): The difference in fee tolerances is related to the total loan amount. Per the high cost analysis provided, the total loan amount is $[redacted]; however, the total loan amount for purposes of our review is $[redacted]. [redacted] fees exceeded by $[redacted].<br>Buyer Comment (2024-XX-20): Attached find the most recent High Cost Pass [redacted]and the Lock Confirmation.<br>Reviewer Comment (2024-XX-20): Condition is not asking for the counseling statement. The financed fees exceed [redacted]% of the total loan amount, which does not meet state threshold limits.<br>Buyer Comment (2024-XX-18): Attached find the proof of the borrowers Counseling Certificate of Completion. Thank you | 1/XX/2025 1:22:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | See any available cure under the South Carolina High-Cost Loan threshold exception. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278614 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) South Carolina High-Cost Loan (YSP Disclosure Not Provided) | [redacted] High-Cost Loan: Borrower not provided with written disclosure of exact amount of the yield spread premium and the itemization of all fees and commissions related to the loan. | Loan is identified as a high-cost loan, and high-cost disclosures are missing. |  |  |  | Reviewer Comment (2025-XX-07): Received PCCD and LOE<br>Reviewer Comment (2024-XX-24): The difference in fee tolerances is related to the total loan amount. Per the high cost analysis provided, the total loan amount is $[redacted]; however, the total loan amount for purposes of our review is $[redacted]. [redacted] fees exceeded by $[redacted].<br>Buyer Comment (2024-XX-20): Attached find the most recent High Cost Pass Mavent and Lock Confirmation. | 1/XX/2025 1:22:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | See any available cure under the South Carolina High-Cost Loan threshold exception. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278615 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) South Carolina High-Cost Loan (Points and Fees) | [redacted] High-Cost and Consumer Home Loan Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of [redacted]. Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]Non-Compliant High-Cost Loan. |  |  |  | Reviewer Comment (2025-XX-07): Received PCCD and LOE<br>Reviewer Comment (2024-XX-24): The difference in fee tolerances is related to the total loan amount. Per the high cost analysis provided, the total loan amount is $[redacted]; however, the total loan amount for purposes of our review is $[redacted]. [redacted] fees exceeded by $[redacted]. The Broker Cure for Tolerance is being paid from borrower to lender on final CD, so it is included in high cost fees/totals.<br>Buyer Comment (2024-XX-20): Attached find the most recent High Cost Pass [redacted]and the Lock Confirmation | 1/XX/2025 1:22:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days after the discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278616 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure[redacted]on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | There are no seller fees as Seller's Closing Disclosure and Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2024-XX-22): [redacted] received final settlement statement for seller. no seller paid costs to disclose on borrower CD, builder direct purchase<br>Buyer Comment (2024-XX-20): Attached find the Final Settlement Statement for this loan. | 12/XX/2024 9:11:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278617 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | Initial Closing Disclosure is missing. |  |  |  | Reviewer Comment (2024-XX-16): [redacted] received initial CD.<br>Buyer Comment (2024-XX-16): Attached find the ICD dated [redacted] for the file. Thank you | 12/XX/2024 11:37:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278618 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-10): Sufficient Cure Provided At Closing |  | 12/XX/2024 11:31:06 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278619 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-10): Sufficient Cure Provided At Closing |  | 12/XX/2024 11:31:06 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278620 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on[redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. |  |  |  | Reviewer Comment (2025-XX-07): Cured at closing<br>Reviewer Comment (2024-XX-23): [redacted] received initial CD dated [redacted], however the Amount Financed under disclosure remains. The final CD dated [redacted] disclosed $[redacted] paid by Borrower to Lender in Section H, which was included in the finance charge calculation. Please provide LOE and corrected CD addressing this item.<br>Buyer Comment (2024-XX-20): Attached find the Initial CD for file - this was not included in the original shipment. |  | 1/XX/2025 12:09:41 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278621 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. |  |  |  | Reviewer Comment (2025-XX-07): Cured at closing.<br>Reviewer Comment (2024-XX-23): [redacted] received initial CD dated [redacted], however the Finance Charge under disclosure remains. The final CD dated [redacted] disclosed $[redacted]paid by Borrower to Lender in Section H, which was included in the finance charge calculation. Please provide LOE and corrected CD addressing this item.<br>Buyer Comment (2024-XX-20): Attached find the ICD that was not included in the initial uploaded file. |  | 1/XX/2025 12:09:17 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278622 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus[redacted] |  |  |  | Reviewer Comment (2025-XX-07): Cured at closing.<br>Reviewer Comment (2025-XX-07): Cleared in error.<br>Reviewer Comment (2025-XX-07): Cleared<br>Reviewer Comment (2024-XX-23): [redacted] received rebuttal, however this exception is for [redacted]% tolerance due to recording fee increase. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-XX-20): Attached find the Initial CD that was not included in the initial upload of the file. |  | 1/XX/2025 12:24:51 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278623 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Broker Cure for Tolerance FBO Borrower. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Broker Cure for Tolerance FBO Borrower. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-XX-07): Cured prior to discovery<br>Buyer Comment (2025-XX-07): Attached find the corrected PCCD and the LOE to the borrower.<br>Reviewer Comment (2025-XX-07): [redacted] received CD dated [redacted]. The PCCD should be dated after the closing. The CD provided is dated same as final CD. Please provide corrected CD with actually issued date along with the LOE to borrower for changes made.<br>Buyer Comment (2025-XX-06): Attached find the correct PCCD for this issue. Thank you<br>Buyer Comment (2025-XX-06): Please disregard the PCCD uploaded at [redacted] AM<br>Buyer Comment (2025-XX-06): Attached find a PCCD correcting the Broker Cure issue - it was withheld from the broker at the time of funding. -- The cure was already given.<br>Reviewer Comment (2024-XX-23): [redacted] received rebuttal, however this exception is for 0% tolerance due to fee added on sec H of CD and paid to lender of $[redacted]for broker cure of tolerance FBO borrower . A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-XX-20): Attached find the Initial CD that was not provided in the initial upload of file.<br>Reviewer Comment (2024-XX-17): [redacted] received broker agreement. However, the provided document doesn't suffice the exception. Also, confirm whether the lender credit of $[redacted] is applied for Broker cure for Tolerance exception on Final CD.<br>Buyer Comment (2024-XX-16): Attached find the Broker Fee Agreement for this condition. |  | 1/XX/2025 12:03:06 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278624 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-XX-07): Cured at closing.<br>Reviewer Comment (2025-XX-07): cleared in error<br>Reviewer Comment (2025-XX-07): Cleared<br>Reviewer Comment (2024-XX-23): [redacted] received rebuttal, however this exception is for [redacted]% tolerance due to transfer tax fee added on CD dated [redacted]. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-XX-20): Attached find initial ICD that was not included in initial upload of file. |  | 1/XX/2025 12:24:14 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278627 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-XX-30): [redacted] received initial CD.<br>Buyer Comment (2024-XX-27): Attached find the esigned ICD from [redacted] | 12/XX/2024 2:33:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278628 |  |  | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepaid Finance Charge | [redacted] Abusive Home Loan Lending Practices Act: Prepaid Finance Charge Fees of $[redacted]exceed the greater of[redacted] | Prepaid Finance Charge Fees of $[redacted]exceed the greater of [redacted] |  |  |  | Reviewer Comment (2025-XX-10): PCCD reflects itemized seller credit application which reduces finance charge under state threshold..<br>Buyer Comment (2025-XX-09): Attached find the PCCD to clear this exception and the waterfall conditions attached to it. THANK YOU<br>Reviewer Comment (2024-XX-31): Under the SFA RMBS Compliance Review Scope (TRID Grid 4.0) that we review to, clients have the option to apply general credits (1) towards finance charges first; or (2) against specific fees based on an itemization, LOS screen print, or other means of documenting the allocation. Alternatively, we may accept a separate itemization of credits or similar document, including a corrected PCCD, to reflect the allocation (must be within [redacted] days of discovery). If they choose to use this option, the PCCD must tie out in terms of listing a fee under the Seller column which would also reduce the Seller Credit on the following page by the same amount (such that the total of the credit being applied, whether applied towards specific fees or as a general credit, remains the same).<br>Buyer Comment (2024-XX-27): Are you willing to allow for a PCCD to be submitted allocating the Seller Credit towards the closing costs? This directly reduces the amount of finance charges included in the loan and was accidently missed by our closing department. | 1/XX/2025 3:27:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase | LOE, refund of the overage amount, and proof of delivery. No timelimit for cure. | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278630 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) | [redacted] Non-Prime Home Loan: APR on subject loan of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Loan. | APR on subject loan of [redacted]% is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Loan. |  |  |  | Reviewer Comment (2025-XX-13): Client elects to waive.<br>Reviewer Comment (2025-XX-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Non-Prime Home Loan: APR on subject loan of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Loan. |  |  | 1/XX/2025 7:32:08 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase | "Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either: <br> (a) making the nonprime home loan comply with the applicable provisions of the law; or <br> (b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;<br>Provide: Letter of Explanation and either: For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.<br>OR<br>(Narrow Defense - CHD Approval Required) The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. Provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan threshold maximum; and (3) proof of delivery.<br>OR <br>The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action." | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278631 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Connecticut Non-Prime Home Loan (Ability to Repay not Verified) | [redacted] Non-Prime Home Loan ([redacted]): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2025-XX-13): Client elects to waive. |  |  | 1/XX/2025 7:32:26 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase | See any available cure under the Connecticut Non-Prime Home Loan threshold exception. | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278632 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2024-XX-31): Sufficient reserves verified<br>Buyer Comment (2024-XX-30): see attached statement evidencing EM cleared the Borrower's account. Please update loan summary and add back $[redacted]to Borrower's #[redacted]account.<br>Buyer Comment (2024-XX-30): Bank statement evidence EM cleared<br>Buyer Comment (2024-XX-27): Attached find the updated 1008 showing the correct months of 1[redacted].<br>Reviewer Comment (2024-XX-26): Lender e4xception received. Lender exception for reserves states they have [redacted] months. Only verified [redacted] months. Unable to waive due to the discrepancy. | 12/XX/2024 8:55:21 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278651 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Initial Closing Disclosure dated [redacted] not signed by borrower. Applying [redacted] day mailbox rule, received [redacted], which is not [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-XX-17): Completed received evidence for initial CD.<br>Buyer Comment (2024-XX-17): [redacted]-Upload E Sign | 12/XX/2024 10:37:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278653 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to borrower. |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received. Loan is no longer high cost.<br>Buyer Comment (2025-XX-27): [Redacted]-LOX<br>Buyer Comment (2025-XX-24): [Redacted]-POD<br>Buyer Comment (2025-XX-24): [Redacted]-Please see attached LOX from Borrower agreeing to refund of $[Redacted]to lower the total points and fees charged for this loan | 1/XX/2025 10:55:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278654 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received. Loan is no longer high cost.<br>Buyer Comment (2025-XX-24): [Redacted]-POD<br>Reviewer Comment (2025-XX-14): Email sent to client with HOEPA fee calculations. A cure in the amount of $[Redacted]would be required or client can elect to keep loan as high-cost and make loan compliant.<br>Buyer Comment (2025-XX-10): [Redacted]-Please review as the $[Redacted]Homeownership Counseling fees per our Hight Cost Analysis report isn't reflected.<br>Reviewer Comment (2024-XX-23): The difference in fee calculations is due to the federal total loan amount. High cost report provided reflects federal total loan amount of $[Redacted]; however, federal total loan amount is considered to be $[Redacted]. Total fees of $[Redacted]exceeds maximum by $[Redacted]. If Lender chooses to cure HOEPA, please reach out to TPR prior to providing cure.<br>Buyer Comment (2024-XX-19): [Redacted]-HighCost Report | 1/XX/2025 10:55:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278655 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. |  |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received. Loan is no longer high cost.<br>Buyer Comment (2025-XX-24): [Redacted]-POD | 1/XX/2025 10:55:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278656 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received including borrower choice letter, refund check and proof of mailing. |  | 1/XX/2025 10:55:20 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278657 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received. Loan is no longer high cost.<br>Reviewer Comment (2024-XX-18): This condition is related to the additional HOEPA conditions. The counseling is not the same as the homebuyer course. Once the HOEPA conditions are addressed, this condition will be reviewed.<br>Buyer Comment (2024-XX-17): [Redacted]-Homeowners Certificate | 1/XX/2025 10:55:45 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278658 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | HOEPA Ability To Repay Income and Assets - No Income Provided | 2014 High-Cost Mortgage (Closed-end ATR): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  |  | Reviewer Comment (2025-XX-27): Cure documentation received. Loan is no longer high cost. | 1/XX/2025 10:55:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278659 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-XX-19): Provided. | 12/XX/2024 12:17:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278660 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted](c)(2) due to loan failing one or more of the QM requirements under [redacted](c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2024-XX-19): Provided. | 12/XX/2024 12:17:02 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278661 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Missing evidence the [redacted] appraisal report was received at least [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-XX-19): Provided.<br>Buyer Comment (2024-XX-17): [Redacted]-Appraisal Delivery | 12/XX/2024 12:17:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278668 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Borrower has selected "Yes" under 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application. |  |  |  | Reviewer Comment (2025-XX-02): Received borrower LOE<br>Buyer Comment (2024-XX-30): loe | 1/XX/2025 1:15:03 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278669 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Initial losing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-XX-23): [Redacted] received initial CD.<br>Buyer Comment (2024-XX-20): [Redacted]-Upload E Summary | 12/XX/2024 3:09:45 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278671 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-XX-24): Appraisal delivery received.<br>Buyer Comment (2024-XX-23): [Redacted]-High Cost<br>Buyer Comment (2024-XX-23): [Redacted]-Upload lock | 12/XX/2024 5:02:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278672 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted](c)(2) due to loan failing one or more of the QM requirements under [redacted](c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2024-XX-24): Appraisal delivery received.<br>Buyer Comment (2024-XX-23): [Redacted]-Upload Compliance | 12/XX/2024 5:02:39 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CT | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278673 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | File is missing evidence of the appraisal report dated [redacted] with a report number of [redacted] being delivered to borrower at least [redacted] business days prior to consummation |  |  |  | Reviewer Comment (2024-XX-24): Appraisal delivery received.<br>Buyer Comment (2024-XX-20): [Redacted]-Upload POD | 12/XX/2024 5:02:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278689 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of the eSign Consent Agreement. Corrected 1003s received in trailing documents were e-signed by borrowers, which requires consent. |  |  |  | Reviewer Comment (2025-XX-03): Received<br>Buyer Comment (2024-XX-31): [Redacted]-E Sign Consent | 1/XX/2025 7:34:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278690 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-Borrower disclosed no ownership of another property in the last [redacted] years on the final 1003, but the file contains evidence of a mortgage. Please update the final 1003 to reflect property ownership. |  |  |  | Reviewer Comment (2024-XX-27): Received<br>Buyer Comment (2024-XX-24): 1003 | 12/XX/2024 10:27:26 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278693 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is not provided. |  |  |  | Reviewer Comment (2024-XX-20): Cleared.<br>Buyer Comment (2024-XX-18): [Redacted]-Initial 1003 | 12/XX/2024 1:25:34 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278695 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least ([redacted]) business days prior to consummation | No evidence that the borrower received Closing Disclosure in file. |  |  |  | Reviewer Comment (2024-XX-27): [Redacted]received proof of receipt.<br>Buyer Comment (2024-XX-26): [Redacted]-COC<br>Reviewer Comment (2024-XX-19): Please provide proof of receipt for [Redacted] CD.<br>Buyer Comment (2024-XX-18): [Redacted]Initial 1003 | 12/XX/2024 10:16:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | TRID timing exception, no remediation available. | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278696 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-XX-20): Provided. | 12/XX/2024 1:24:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278697 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted](c)(2) due to loan failing one or more of the QM requirements under [redacted](c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2024-XX-20): Provided. | 12/XX/2024 1:24:24 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278698 |  |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Due to missing initial application date. |  |  |  | Reviewer Comment (2024-XX-20): Provided.<br>Buyer Comment (2024-XX-18): [Redacted]-Uplaod Appraisal Waiver/receipt form | 12/XX/2024 1:24:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278699 |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. | Due to missing initial application date. |  |  |  | Reviewer Comment (2024-XX-20): Provided. | 12/XX/2024 1:24:24 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278700 |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Due to missing initial application date. |  |  |  | Reviewer Comment (2024-XX-20): Provided. | 12/XX/2024 1:24:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278701 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within ([redacted]) business days of application. | Due to missing initial application date. |  |  |  | Reviewer Comment (2024-XX-20): Provided. | 12/XX/2024 1:24:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278702 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. Missing supporting documentation for EMD. |  |  |  | Reviewer Comment (2024-XX-20): Cleared.<br>Buyer Comment (2024-XX-19): bank statement<br>Buyer Comment (2024-XX-19): [Redacted] gift funds were used as the EM. Please see additional assets [Redacted] attached | 12/XX/2024 1:34:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278703 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. Missing supporting documentation for EMD. |  |  |  | Reviewer Comment (2024-XX-20): Cleared.<br>Buyer Comment (2024-XX-19): see attached bank statement | 12/XX/2024 1:34:43 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278722 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document not provided. |  |  |  | Reviewer Comment (2024-XX-26): Received<br>Buyer Comment (2024-XX-23): Attached find latest Rate Lock | 12/XX/2024 10:55:59 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278723 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | There is no initial closing disclosure provided to borrower at least business days prior to closing in loan file. Only a Final Closing Disclosure dated [redacted]. |  |  |  | Reviewer Comment (2024-XX-24): [Redacted]received initial CD.<br>Buyer Comment (2024-XX-23): Attached find the ICD for this loan. | 12/XX/2024 3:06:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278729 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted]on LE but disclosed as <br> $[redacted]on Final Closing Disclosure. File dose not contain a valid COC for this fee. nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-XX-07): [Redacted]received PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-XX-07): please see updated PCCD with total cure<br>Reviewer Comment (2025-XX-06): [Redacted]agree with the rebuttal. However, the PCCD provided should be updated to show total cure provided till date which is $[Redacted]+ $[Redacted]= $[Redacted]. Updated PCCD is required for remediations.<br>Buyer Comment (2025-XX-03): $[Redacted]was cured already on final CD dated [Redacted] and remaining $[Redacted]on the PCCD dated [Redacted]\*\*please clear the condition<br>Reviewer Comment (2025-XX-02): [Redacted]Received Cure docs for $[Redacted]; however, provided PCCD reflects Cure amount as $[Redacted]under section J instead of $[Redacted]. Provide Corrected PCCD and LOE showing cure amount as $[Redacted].<br>Buyer Comment (2024-XX-31): please attached PCCD, LOE and check for refund of $[Redacted]<br>Reviewer Comment (2024-XX-24): [Redacted]received rebuttal, however cure provided on CD is $[Redacted]and cure required is $[Redacted]. Additional cure of $[Redacted]is required or if fee is rounded off on LE, we require proof of rounding off amount on LE. Please provide same to re-evaluate the exception.<br>Buyer Comment (2024-XX-20): There was no COC that's why Increase in transfer taxes were cured through lender credit of $[Redacted]on final CD (see bottom of page [Redacted]) |  | 1/XX/2025 3:37:24 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278777 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Data captured as per Closing Disclosure as of [redacted] |  |  |  | Reviewer Comment (2025-XX-03): [Redacted]received corrected PCCD and LOE.<br>Buyer Comment (2025-XX-02): LOX to borrower attached<br>Reviewer Comment (2024-XX-31): [Redacted]received Post CD. However, we would also require LOX to the borrower in order to cure the exception.<br>Buyer Comment (2024-XX-30): Attached find the PCCD with the corrections to pg [Redacted] of CD showing HOA dues. |  | 1/XX/2025 12:13:43 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33278778 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Data captured as per Closing Disclosure as of [redacted] |  |  |  | Reviewer Comment (2024-XX-27): Duplicate exception.<br>Buyer Comment (2024-XX-26): Attached find the Initial CD dated[Redacted] | 12/XX/2024 3:10:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278781 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | [redacted]received [redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]/[redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted] (day[redacted]) or earlier for review. |  |  |  | Reviewer Comment (2025-XX-09): Evidence of receipt received in trailing documents.<br>Buyer Comment (2025-XX-08): Attached find screenshot proof that the CD for [Redacted]was opened by the borrower on [Redacted]. Thank you<br>Reviewer Comment (2024-XX-31): [Redacted]received [Redacted]CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [Redacted]. Consummation date is [Redacted]. [Redacted]is day [Redacted], [Redacted] is day [Redacted]. Please provide documentation if the CD was received [Redacted](day [Redacted]) or earlier for review.<br>Buyer Comment (2024-XX-30): Attached find the ICD dated [Redacted]. | 1/XX/2025 8:46:40 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CO | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278782 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  | Reviewer Comment (2025-XX-02): Received<br>Buyer Comment (2024-XX-31): Please see the attached Final 1003 | 1/XX/2025 7:38:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278787 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was requested and approved to allow EMD gift funds of $[redacted]from Borrower's domestic partner [redated]program requirement to be from family member, borrower's employer or labor union, a close friend with a clearly defined and documented interest in the borrower, or a governmental agency or public entity that has a program providing homeownership assistance programs. Compensating factors include FICO [redacted]+ points over minimum matrix tier, and over [redacted] tradelines rated over [redacted] years (escalated comp. factor). | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2024-XX-24): Lender exception was requested and approved to allow EMD gift funds of $[Redacted]from Borrower's domestic partner versus program requirement to be from family member, borrower's employer or labor union, a close friend with a clearly defined and documented interest in the borrower, or a governmental agency or public entity that has a program providing homeownership assistance programs. Compensating factors include FICO [Redacted]+ points over minimum matrix tier, and over [Redacted]tradelines rated over [Redacted]years (escalated comp. factor). |  |  | 12/XX/2024 7:32:27 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278805 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted](c)(2) due to loan failing one or more of the QM requirements under [redacted](c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2025-XX-07): Cleared.<br>Buyer Comment (2025-XX-03): appraisal delivery uploaded | 1/XX/2025 6:45:11 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278807 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing HO-6 hazard policy for subject property. |  |  |  | Reviewer Comment (2024-XX-27): Received<br>Buyer Comment (2024-XX-24): Ins | 12/XX/2024 12:06:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278809 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-XX-07): Cleared.<br>Buyer Comment (2025-XX-03): appraisal delivery uploaded<br>Reviewer Comment (2024-XX-31): This document has been previously reviewed by the compliance team and is the borrower's consent to receive the appraisal electronically. We will need evidence that the report was actually downloaded by borrower on this date to consider it delivered on [Redacted]. Alternatively, this is an EV2 that client can elect to waive.<br>Buyer Comment (2024-XX-27): Attached find proof of [Redacted] Revised Appraisal Delivery showing the borrower rcvd and downloaded it. | 1/XX/2025 6:45:11 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 33278956 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-XX-21): Sufficient Cure Provided At Closing |  | 2/XX/2025 4:38:31 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 33453719 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA ordered [Redacted] |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-14): CDA ordered [redacted]<br>Seller Comment (2025-XX-14): Please order CDA | 5/XX/2025 1:15:58 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33456162 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted]l / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-15): Valuation Received - [redacted] | 5/XX/2025 1:15:55 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33455104 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA ordered [Redacted] |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-14): CDA ordered [redacted]<br>Seller Comment (2025-XX-14): Please order CDA | 5/XX/2025 1:13:31 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33455150 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Verified DTI exceeds guideline max [Redacted]%, unable to determine how lender arrived at final income. UW calc sheet/bank statement analysis not provided in file. |  |  |  | Reviewer Comment (2025-XX-15): BSA provided and cleared.<br>Seller Comment (2025-XX-15): BSA in PDF form<br>Seller Comment (2025-XX-14): Please see the Loan Summary the Total Income is incorrect. Please see the [redacted] report showing $[redacted]income. FINAL 1008 shows DTI [redacted]% | 5/XX/2025 12:06:14 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33455159 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to verified DTI exceeds guideline max [Redacted]%, unable to determine how lender arrived at final income. UW calc sheet/bank statement analysis not provided in file. |  |  |  | Reviewer Comment (2025-XX-15): BSA provided and cleared.<br>Seller Comment (2025-XX-15): Please see the Loan Summary the Total Income is incorrect. Please see the [redacted] report showing $[redacted]income. FINAL 1008 shows DTI [redacted]% | 5/XX/2025 12:07:34 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33455161 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and[Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Verified DTI exceeds guideline max [Redacted]%, unable to determine how lender arrived at final income. UW calc sheet/bank statement analysis not provided in file. |  |  |  | Reviewer Comment (2025-XX-15): BSA provided and cleared.<br>Seller Comment (2025-XX-14): Please see the Loan Summary the Total Income is incorrect. Please see the [redacted] report showing $[redacted]income. FINAL 1008 shows DTI [redacted]% | 5/XX/2025 12:07:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33455165 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verified DTI exceeds guideline max [Redacted]%, unable to determine how lender arrived at final income. UW calc sheet/bank statement analysis not provided in file. |  |  |  | Reviewer Comment (2025-XX-15): BSA provided and cleared.<br>Seller Comment (2025-XX-14): Please see the Loan Summary the Total Income is incorrect. Please see the [redacted] report showing $[redacted] income. FINAL 1008 shows DTI [redacted]% | 5/XX/2025 12:07:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33455865 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Only appraisal notice in file dated [Redacted]vs. [Redacted] [Redacted]report date. |  |  |  | Reviewer Comment (2025-XX-14): Provided and cleared.<br>Seller Comment (2025-XX-14): 1004D FINAL INSPECTION COMPLETED [redacted] DELIVERY DATE [redacted] COE [redacted] | 5/XX/2025 7:37:31 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33456163 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted]l / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-15): Valuation Received - [redacted] | 5/XX/2025 1:13:19 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33454037 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered [redacted] |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-14): CDA ordered [redacted]<br>Seller Comment (2025-XX-14): Please order CDA | 5/XX/2025 1:17:52 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33454076 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines required [redacted] months post-close reserves. |  |  |  | Reviewer Comment (2025-XX-15): Cleared with additional assets<br>Seller Comment (2025-XX-14): Please see FINAL 1008 showing there are [redacted] months reserves, but we only counted the [redacted] months liquid reserves and [redacted] month for the vehicle that is owned free and clear. Also see Car Title showing it's free and clear. I have also uploaded the Reserves Guidelines.<br>Seller Comment (2025-XX-14): Please see FINAL 1008 showing there are [redacted] months reserves, but we only counted the [redacted] months liquid reserves and [redacted] month for the vehicle that is owned free and clear. Also see Car Title showing it's free and clear. I have also uploaded the Reserves Guidelines. | 5/XX/2025 11:38:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33454089 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to guideline reserves failure, borrower short [redacted] months post-close reserves. |  |  |  | Reviewer Comment (2025-XX-15): Cleared with additional assets<br>Seller Comment (2025-XX-15): Please see FINAL 1008 showing there are [redacted] months reserves, but we only counted the [redacted] months liquid reserves and [redacted] month for the vehicle that is owned free and clear. Also see Car Title showing it's free and clear. I have also uploaded the Reserves Guidelines. | 5/XX/2025 11:38:41 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33454097 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to guideline reserves failure, borrower short [redacted] months post-close reserves. |  |  |  | Reviewer Comment (2025-XX-15): Cleared with additional assets<br>Seller Comment (2025-XX-14): Please see FINAL 1008 showing there are [redacted] months reserves, but we only counted the [redacted] months liquid reserves and [redacted] month for the vehicle that is owned free and clear. Also see Car Title showing it's free and clear. | 5/XX/2025 11:38:41 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33456167 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted]l / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-15): Valuation Received - [redacted] | 5/XX/2025 1:17:47 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33454346 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered [redacted] |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-14): CDA ordered [redacted]<br>Seller Comment (2025-XX-14): Please order CDA | 5/XX/2025 1:33:27 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33456168 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted]l / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-XX-15): CDA provided and cleared.<br>Reviewer Comment (2025-XX-15): Valuation Received - [redacted] | 5/XX/2025 1:33:22 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33819755 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-16): Waived. |  |  | 7/XX/2025 11:37:33 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33829658 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100 |  | CDA ordered 7/XX, nothing needed from XX. |  |  |  | Reviewer Comment (2025-XX-08): CDA provided and cleared. | 7/XX/2025 11:55:03 AM |  |  | 1 | D | A | A | A | D | A | D | A | D | A |  | FL | Primary | Purchase |  | D | B | B | B | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33829666 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-16): Waived |  |  | 7/XX/2025 11:41:50 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | D | B | B | B | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33829674 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.43250% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XX (an overage of $XX or 1.43250%). |  |  |  |  | Reviewer Comment (2025-XX-16): Waived |  |  | 7/XX/2025 11:42:16 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | B | B | B | B | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33837556 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-08): CDA provided and cleared.<br>Reviewer Comment (2025-XX-08): Valuation Received - 07/XX/2025 | 7/XX/2025 11:54:51 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | D | B | B | B | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671641 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | We will order CDA. |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-17): CDA ordered 6/XX/25.<br>Seller Comment (2025-XX-17): Please request PRP to order | 6/XX/2025 2:11:11 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671653 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-18): Provided and cleared.<br>Seller Comment (2025-XX-18): INITIAL 3 DAY CD 4/XX/2025 APR 10.873% FINAL 3 DAY CD 5/XX/2025 APR is 10.943% (0.07%-not more than 0.25% per TRID) APOLOGIES for not uploading INITIAL 3 day CD<br>Seller Comment (2025-XX-18): INITIAL 3 DAY CD 4/XX/2025 APR 10.873% FINAL 3 DAY CD 5/XX/2025 APR is 10.943% (0.07%-not more than 0.25% per TRID)<br>Reviewer Comment (2025-XX-17): Initial CD signed 5/XX/25 vs. 5/XX/25 closing, not 3 business days.<br>Seller Comment (2025-XX-17): 3-DAY CD sent and signed 5/XX/2025 @ xxx pm | 6/XX/2025 1:59:58 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33684316 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): Valuation Received - 06/XX/2025 | 6/XX/2025 2:10:56 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671530 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-17): CDA ordered 6/XX/25.<br>Seller Comment (2025-XX-17): Please request PRP to order<br>Reviewer Comment (2025-XX-17): We will order CDA | 6/XX/2025 2:57:45 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671585 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient funds. Available asset for reserves 4.75 months does meet 6 months reserves requirement as per guideline. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Seller Comment (2025-XX-18): Please see page 9 showing 85% LTV requires 6 months reserves IF DTI is over 40%-the DTI is 34.77%<br>Reviewer Comment (2025-XX-17): XX Prime 85 guidelines dated 3/XX/25 require 6 months post-closing reserves, not 3. Exceptions remains.<br>Seller Comment (2025-XX-17): FINAL AUS shows Reserves 3 months and FINAL 1008 shows 3 months reserves<br>Seller Comment (2025-XX-17): FINAL AUS shows Reserves 3 months and FINAL 1003 shows 3 months reserves | 6/XX/2025 1:44:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671589 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation failed due to Insufficient funds. Available asset for reserves 4.75 months does meet 6 months reserves requirement as per guideline. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Reviewer Comment (2025-XX-17): XX Prime 85 guidelines dated 3/XX/25 require 6 months post-closing reserves, not 3. Exceptions remains.<br>Seller Comment (2025-XX-17): FINAL AUS shows Reserves 3 months and FINAL 1003 shows 3 months reserves | 6/XX/2025 1:45:02 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33671590 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | General Ability To Repay failed due to Insufficient funds. Available asset for reserves 4.75 months does meet 6 months reserves requirement as per guideline. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Reviewer Comment (2025-XX-17): XX Prime 85 guidelines dated 3/XX/25 require 6 months post-closing reserves, not 3. Exceptions remains.<br>Seller Comment (2025-XX-17): FINAL AUS shows Reserves 3 months and FINAL 1003 shows 3 months reserves | 6/XX/2025 1:45:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33684317 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): Valuation Received - 06/XX/2025 | 6/XX/2025 2:57:37 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671833 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA has been ordered. |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): CDA has been ordered<br>Seller Comment (2025-XX-18): Please ask PRP to order | 6/XX/2025 2:08:39 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33672010 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD in file Issued less than 3 business days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-18): Provided and cleared.<br>Seller Comment (2025-XX-18): INITIAL 3 DAY CD sent 5/XX-APR 8.62% FINAL 3 DAY CD sent 5/XX-APR 8.595% APR went down. Per TRID additional 3 days is added when APR increases, Loan Product Changes or PPP is added. Apologies for not uploading the INITIAL 3 DAY CD | 6/XX/2025 2:07:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33684318 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): Valuation Received - 06/XX/2025 | 6/XX/2025 2:08:34 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671860 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | We will order CDA |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): CDA ordered 6/xx<br>Seller Comment (2025-XX-18): Request PRP to order | 6/XX/2025 2:54:34 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671895 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Funds are short by 6 months reserve requirements, and additional bank statements are provided; however, evidence of access to funds is missing. Provide evidence of access to funds. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Seller Comment (2025-XX-18): U/W Notes states AUS cleared with 5 months reserves | 6/XX/2025 1:47:08 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33671904 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Funds are short by 6 months reserve requirements, and additional bank statements are provided; however, evidence of access to funds is missing. Provide evidence of access to funds. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Reviewer Comment (2025-XX-18): XX Guidelines for XX require 6 months post-close reserves. Exception remains.<br>Seller Comment (2025-XX-18): Please see FTC showing the assets are verified and in Bank Account. Also, uploaded FINAL 1008 showing 5 months reserves. | 6/XX/2025 1:47:30 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33671905 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Funds are short by 6 months reserve requirements, and additional bank statements are provided; however, evidence of access to funds is missing. Provide evidence of access to funds. |  |  |  | Reviewer Comment (2025-XX-18): After further review, exception cleared.<br>Reviewer Comment (2025-XX-18): XX Guidelines for Prime 85 require 6 months post-close reserves. Exception remains.<br>Seller Comment (2025-XX-18): FUNDS TO CLOSE VERIFIED | 6/XX/2025 1:47:30 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33684319 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-18): CDA provided and cleared.<br>Reviewer Comment (2025-XX-18): Valuation Received - 06/XX/2025 | 6/XX/2025 2:54:27 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33883179 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [redacted] 3% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2025-XX-31): Waived<br>Reviewer Comment (2025-XX-24): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Fannie Mae [redacted] 3% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]%). |  |  | 7/XX/2025 9:26:21 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33883181 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $180.00 compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $180.00 compared to the calculated Amount Financed of $[redacted] |  |  |  | Reviewer Comment (2025-XX-24): After further review, exception cleared. | 7/XX/2025 2:00:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33883182 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $180.00 compared to the calculated Finance Charge of $[redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2025). | The disclosed Finance Charge in the amount of [redacted] is under disclosed by $180.00 compared to the calculated Finance Charge of $[redacted] |  |  |  | Reviewer Comment (2025-XX-24): After further review, exception cleared. | 7/XX/2025 2:00:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33883183 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-escrowed HOA dues not reflected on pg. 4 of final CD. |  |  |  | Reviewer Comment (2025-XX-31): Cured |  | 7/XX/2025 9:24:53 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | PA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33883186 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee Amount of $[redacted] exceeds tolerance of $530.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-24): COCs provided and cleared. | 7/XX/2025 1:52:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33883187 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee Amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-24): COCs provided and cleared. | 7/XX/2025 1:52:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33845866 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-08): CDA has been ordered, no action needed. | 7/XX/2025 1:05:30 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33845884 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal not in name of lender. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Seller Comment (2025-XX-10): Please see Appraisal Transfer Letter<br>Seller Comment (2025-XX-10): Please see Appraisal transfer letter. | 7/XX/2025 12:40:42 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33845887 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Only CD in file is signed/final CD issued 6/XX/25, please provide all LEs/CDs issued to borrowers. |  |  |  | Reviewer Comment (2025-XX-09): ICD provided and cleared.<br>Seller Comment (2025-XX-09): Please see 3 day CD, Initial LE, LOCKED LE, COC. 3 DAY CD has been uploaded in file.<br>Seller Comment (2025-XX-09): Please see 3 day CD, Initial LE, LOCKED LE, COC | 7/XX/2025 5:58:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33845888 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,165.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,165.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Seller Comment (2025-XX-10): COC states we removed the lender credit and lowered the rate. | 7/XX/2025 12:37:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33873141 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-11): Valuation Received - 07/XX/2025 | 7/XX/2025 1:05:23 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33838756 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-08): CDA has been ordered, no action needed. | 7/XX/2025 1:08:56 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33839146 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal not in name of lender. |  |  |  | Reviewer Comment (2025-XX-09): Waived per client guidance.<br>Seller Comment (2025-XX-09): Our loans are always HPML but we are not HCML. Please ask PRP for exception. |  |  | 7/XX/2025 6:39:30 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33873142 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-11): Valuation Received - 07/XX/2025 | 7/XX/2025 1:08:49 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33857252 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tab XX) | 7/XX/2025 4:05:49 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33857253 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tab XX) | 7/XX/2025 4:05:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33857255 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-XX-Repay (Dodd-Frank 2014): General Ability-XX-Repay requirements not satisfied. | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared. | 7/XX/2025 4:05:49 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33857277 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tab XX) | 7/XX/2025 4:06:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33857306 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-08): CDA has been ordered, no action needed. | 7/XX/2025 12:20:08 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33857316 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tab XX) | 7/XX/2025 4:08:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33868803 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tab XX) | 7/XX/2025 4:02:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33868806 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing B1 paystub and W2. If B1 was qualified using bank statement income, please provide UW calc sheet detailing deposit analysis. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Reviewer Comment (2025-XX-10): Still missing 12 months statements for B2 income, seller has provided B1 income docs twice.<br>Seller Comment (2025-XX-09): 12 month BS for B-1 & BSA for both borrowers (B1 is tabXX) | 7/XX/2025 4:05:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33873144 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-11): Valuation Received - 07/XX/2025 | 7/XX/2025 12:20:00 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33839004 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-08): CDA has been ordered, no action needed. | 7/XX/2025 1:07:02 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33839027 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower apprasial receipt 3 business days prior to closing not provided. |  |  |  | Reviewer Comment (2025-XX-09): Provided and cleared.<br>Seller Comment (2025-XX-09): Please see Appraisal Delivery date is 6-XX-2025 and Closing Date 6-XX-2025 more than 3 business days notice. | 7/XX/2025 5:26:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33839034 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower apprasial receipt 3 business days prior to closing not provided. |  |  |  | Reviewer Comment (2025-XX-09): Provided and cleared.<br>Seller Comment (2025-XX-09): Appraisal Delivery 6-XX Closing date 6-XX | 7/XX/2025 5:26:15 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33839035 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.11923% or Final Disclosure APR of 11.16900% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence of borrower apprasial receipt 3 business days prior to closing not provided. |  |  |  | Reviewer Comment (2025-XX-09): Provided and cleared.<br>Seller Comment (2025-XX-09): We are HPML but not HCML. Please request PRP to clear this condition | 7/XX/2025 5:26:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33873145 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-11): CDA provided and cleared.<br>Reviewer Comment (2025-XX-11): Valuation Received - 07/XX/2025 | 7/XX/2025 1:06:55 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33823032 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC | Reviewer Comment (2025-XX-30): Client elected to regrade and waive |  |  | 7/XX/2025 10:47:58 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 33993036 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Seller Comment (2025-XX-24): Has CDA come back yet?<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:57:02 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33993181 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $255.00 exceeds tolerance of $224.00 plus 10% or $246.40. Insufficient or no cure was provided to the borrower. | Recording fees increased on final CD without valid change of circumstance. No cure provided for overage. |  |  |  | Reviewer Comment (2025-XX-24): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-XX-23): Please see LOE, Proof of mailing-to be delivered 7/XX, Copy of check and PCCD |  | 7/XX/2025 3:46:35 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34010251 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:56:56 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33978797 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:50:39 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34010252 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:50:34 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33979806 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:58:01 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33979826 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): I'm sorry, this was in the file. I didn't see it. There was insurance 6/XX effective date | 7/XX/2025 5:49:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34010253 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:57:53 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33980199 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:59:33 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34010254 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:59:28 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33990188 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:55:36 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33990505 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-XX-22): Waived per client guidance.<br>Seller Comment (2025-XX-22): All of our loans are HPML but were not HCML. Can we ask PRP to clear this condition? |  |  | 7/XX/2025 6:24:43 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992309 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing source verification for $xxx and $xxx deposits that exceed 50% of Borrower's monthly income, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Please see Source of Large Deposits: $20,000 Invoice pg. 5 of 16 on 6/XX/2025 for Concrete Driveway $16,000 Invoice pg. 6 of 16 on 6/XX/2025 for Concrete Side walk and trash removal. | 7/XX/2025 5:39:53 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 33992310 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing source verification for $xxx and $xxx deposits that exceed 50% of Borrower's monthly income. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Please see Source of Large Deposits: $20,000 Invoice pg. 5 of 16 on 6/XX/2025 for Concrete Driveway $16,000 Invoice pg. 6 of 16 on 6/XX/2025 for Concrete Side walk and trash removal. | 7/XX/2025 5:39:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992312 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to missing source verification for $xxx and $xxx deposits that exceed 50% of Borrower's monthly income, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Please see Source of Large Deposits: $20,000 Invoice pg. 5 of 16 on 6/XX/2025 for Concrete Driveway $16,000 Invoice pg. 6 of 16 on 6/XX/2025 for Concrete Side walk and trash removal. | 7/XX/2025 5:39:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992337 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing source verification for $16,000.00 and $20,000.00 deposits to personal checking account that exceed 50% of Borrower's monthly income. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Please see Source of Large Deposits: $20,000 Invoice pg. 5 of 16 on 6/XX/2025 for Concrete Driveway $16,000 Invoice pg. 6 of 16 on 6/XX/2025 for Concrete Side walk and trash removal. | 7/XX/2025 5:38:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992338 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Less than 3 months reserves due to large deposits not sourced. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Proof of Source of Large Deposits and proof of 3 months reserves | 7/XX/2025 5:38:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992353 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $XX is less than $XX Cash From Borrower. Missing source verification for $16,000.00 and $20,000.00 deposits to personal checking account that exceed 50% of Borrower's monthly income. |  |  |  | Reviewer Comment (2025-XX-22): Provided and cleared.<br>Seller Comment (2025-XX-22): Please see FTC bank transactions, Verified Assets, Source of Large Deposits | 7/XX/2025 5:38:19 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992632 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal address (city): XXX. Note address (city): XXX. |  |  |  | Reviewer Comment (2025-XX-22): Correction deed provided and cleared.<br>Seller Comment (2025-XX-22): Please see the Deed Correction for the correct City. It is XXX. I called XX County Clerk and they sent this Deed correction. We have sent the check, deed correction via certified letter. | 7/XX/2025 6:31:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992635 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address (city): XXX. Note address (city): XXX. |  |  |  | Reviewer Comment (2025-XX-22): Correction deed provided and cleared.<br>Seller Comment (2025-XX-22): Address correct-see correction of Deed | 7/XX/2025 6:31:19 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33992641 |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate address (city): XXX. Note address (city): XXX. |  |  |  | Reviewer Comment (2025-XX-22): Correction deed provided and cleared.<br>Seller Comment (2025-XX-22): Address correct-see correction of Deed | 7/XX/2025 6:31:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34010255 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:55:24 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 33980193 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-21): CDA ordered 7/XX, nothing needed from XX. | 7/XX/2025 2:53:31 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34010256 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 07/XX/2025 | 7/XX/2025 2:53:25 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34113647 |  |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Per guidelines number of Projects and Value of Project (last 24 months) including acquisition dates and sales prices are required for this program. |  |  |  | Reviewer Comment (2025-XX-23): Borrower is first-time investor. Fraud report<br>Buyer Comment (2025-XX-21): The borrower has a FICO of 772 so they would qualify as a first time investor based on the guidelines (1.8.1.2 First Time Investor) . | 5/XX/2025 5:03:28 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34113649 |  |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Per guidelines number of Projects and Value of Project (last 24 months) including acquisition dates and sales prices are required for this program. |  |  |  | Reviewer Comment (2025-XX-30): The subject has been owned and leased since 2021. Meets guides<br>Buyer Comment (2025-XX-27): Attached is a copy of the subj property profile confirming borrower purchased in xx/2017 for $XX. Also attached is borrower lease for current tenants with lease starting xxx/2021. Borrower meets definition/guidelines of experienced investor | 5/XX/2025 6:43:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34113651 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Per NearNoni matrix Cash-Out refi, maximum loan amount for LTV/CLTV 70% is $XX. No Lender exception in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC,Originator | Reviewer Comment (2025-XX-04): Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Client elects to downgrade and waive.<br>Buyer Comment (2025-XX-03): From: XX <br> Sent: Tuesday, June XX, 2025 4:53 PM<br> To: XX ; XX <br> Cc: XX ; XX <br> Subject: RE: XX<br>Confirmed, XX in this case is 15 Months.<br>Buyer Comment (2025-XX-30): Copy of exception attached for the loan amount exceeding G/Ls<br>Reviewer Comment (2025-XX-30): The exception provided is for LTV, the issue is excessive cash out.<br>Buyer Comment (2025-XX-27): Copy of exception form attached |  |  | 6/XX/2025 4:59:27 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34113652 |  |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Lease Agreement provided in file terminated XX/XX/2022, note date is XX/XX/2025. There is no new lease agreement or extension to this agreement provided in file. |  |  |  | Reviewer Comment (2025-XX-30): Lease is now MTM<br>Buyer Comment (2025-XX-27): Copy of lease agreement attached and in file shows fully executed addendum (#1 & #2) stating the original lease agreement is now month-month. Please clear condition | 5/XX/2025 6:50:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34113654 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Total verified assets of $XX. Funds for closing $XXX. Available for reserves is $XX |  |  |  | Reviewer Comment (2025-XX-03): Assets provided<br>Buyer Comment (2025-XX-02): Borrower has 3 accounts…looks like XX Bank #XX is not being counted (see attached rebuttal)<br>Reviewer Comment (2025-XX-30): Used the total balances of the VODs, and updated funds. Short reserves. 1008 reflects an asset total of $XX, and total being used is $XX.<br>Reviewer Comment (2025-XX-30): EXCEPTION HISTORY - Exception Explanation was updated on 05/XX/2025 PRIOR Exception Explanation: Calculated PITIA months reserves of 0.22 is less than Guideline PITIA months reserves of 6.00.<br>Buyer Comment (2025-XX-27): Uploaded Assets VODs | 6/XX/2025 2:13:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34313869 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal Delivery receipt is missing for Appraisal. |  |  |  | Reviewer Comment (2025-XX-24): Clear | 4/XX/2025 9:29:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313870 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements . |  |  |  | Reviewer Comment (2025-XX-24): Clear | 4/XX/2025 9:29:55 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313871 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender named on Appraisal differs from Lender on Note. |  |  |  | Reviewer Comment (2025-XX-24): Cleared with transfer letter.<br>Buyer Comment (2025-XX-22): [redacted]-Please see attached transfer letter | 4/XX/2025 9:30:56 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313872 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Delivery receipt is missing for Appraisal. Required for the [redacted] appraisal. |  |  |  | Reviewer Comment (2025-XX-24): Clear<br>Buyer Comment (2025-XX-22): [redacted]-Please see attached Proof of receipt<br>Reviewer Comment (2025-XX-17): Need verification appraisal was sent to borrower.<br>Buyer Comment (2025-XX-15): [redacted]-Transfer Letter | 4/XX/2025 9:29:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313875 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for using a VOR without bank statements/canceled checks to verify rent payments that are paid in cash.<br>Compensating Factors:<br> FICO [redacted] points over the minimum required score for the LTV required. Residual income over $[redacted] and Self-Employed over [redacted] years and in the same business over [redacted] years. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Borrower has verified disposable income of at least [redacted] | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted] Bank Statement<br> Disposable Income: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception approval at origination. |  |  | 4/XX/2025 4:08:14 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313876 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-XX-18): Clear<br>Buyer Comment (2025-XX-16): Please see attached E-Sign confirmation. Thank you. | 4/XX/2025 8:32:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313878 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen document is missing in file. |  |  |  | Reviewer Comment (2025-XX-18): clear<br>Buyer Comment (2025-XX-16): Please find attached ITIN letter from IRS & loe from Borrower. Thank you. | 4/XX/2025 8:32:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313884 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation | Closing disclosure is required to be delivered to borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-21): [redacted] CD, Doc ID [redacted] reflects Blank Loan Calculations, no actual change in APR<br>Buyer Comment (2025-XX-18): Please find attached signed closing disclosure | 4/XX/2025 2:03:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TRID timing exception, no remediation available. | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313885 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A cure for $[redacted]was provided at closing. |  |  |  | Reviewer Comment (2025-XX-10): Sufficient Cure Provided At Closing |  | 4/XX/2025 4:45:21 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313887 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Unable to use gift funds because of discrepancy in the amounts between gift letter and the final CD, and unable to verify source of donor's funds. |  |  |  | Reviewer Comment (2025-XX-22): clear<br>Buyer Comment (2025-XX-18): Gift letter | 4/XX/2025 8:05:22 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313888 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Unable to use gift funds because of discrepancy in the amounts between gift letter and the final CD, and unable to verify source of donor's funds. |  |  |  | Reviewer Comment (2025-XX-22): clear<br>Buyer Comment (2025-XX-21): Cashier Check | 4/XX/2025 8:05:31 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313889 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Unable to use gift funds because of discrepancy in the amounts between gift letter and the final CD, and unable to verify source of donor's funds. |  |  |  | Reviewer Comment (2025-XX-22): clear<br>Buyer Comment (2025-XX-21): see attached cashier check | 4/XX/2025 8:05:46 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313890 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Provide evidence of donor funds for the $[redacted] gift.. |  |  |  | Reviewer Comment (2025-XX-22): Cleared. Gift funds reduced to $[redacted].<br>Buyer Comment (2025-XX-21): see attached cashier check | 4/XX/2025 8:06:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313892 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-XX-24): clear<br>Buyer Comment (2025-XX-23): attached | 4/XX/2025 7:54:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313895 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  |  |  |  |  | Reviewer Comment (2025-XX-23): clear<br>Buyer Comment (2025-XX-21): Please find (dated) ITIN letter with tax professional loe per our guidelines. Thank you! | 4/XX/2025 8:47:19 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313896 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-XX-23): clear<br>Buyer Comment (2025-XX-21): Please find ITIN letter from IRS along with tax professionals' confirmation as ITIT letter is dated. Thank you. | 4/XX/2025 8:47:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313898 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - [redacted] Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted](c)(2) due to loan failing one or more of the QM requirements under [redacted](c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2025-XX-28): Clear<br>Buyer Comment (2025-XX-28): Please clear it appraisal receipt uploaded. | 4/XX/2025 8:38:30 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313899 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-XX-28): Clear<br>Buyer Comment (2025-XX-24): [redacted]-Proof of Receipt | 4/XX/2025 8:38:30 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313902 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-XX-28): [redacted] received Settlement Service Provider list. | 4/XX/2025 6:45:36 AM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313903 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-28): [redacted] received SSPL and the fee is within tolerance limit.<br>Buyer Comment (2025-XX-25): Please see SSPL<br>Buyer Comment (2025-XX-25): Please advise cure amount.<br>Reviewer Comment (2025-XX-23): [redacted] received Post CD. However, we would also require LOX to the borrower along with SSPL in order to verify the fees whether the borrower shopped for the fees. Kindly provide SSPL and also LOX to the borrower.<br>Buyer Comment (2025-XX-22): please advise on the cure amount to clear this condition<br>Buyer Comment (2025-XX-22): Please see attached PCCD | 4/XX/2025 6:41:23 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313904 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock documentation is missing from the file. |  |  |  | Reviewer Comment (2025-XX-23): clear<br>Buyer Comment (2025-XX-21): Please find attached final rate sheet. Thank you.<br>Buyer Comment (2025-XX-21): Please see attached COC | 4/XX/2025 8:42:35 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313905 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide copy of the lease for the primary residence. Required when rent is paid to private landlord. |  |  |  | Reviewer Comment (2025-XX-05): clear<br>Buyer Comment (2025-XX-02): Please find lease attached. Thank you.<br>Reviewer Comment (2025-XX-23): Guidelines require a copy of the lease along with the proof of payments when landlord is a private individual.<br>Buyer Comment (2025-XX-21): Please find [redacted] proof of rental payment. Thank you.<br>Buyer Comment (2025-XX-21): Please find cancelled rental check payments for Borrowers primary residence. Thank you. | 5/XX/2025 4:11:20 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313906 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA to provide evidence that they have no affiliation to the borrower or the borrowers business. |  |  |  | Reviewer Comment (2025-XX-23): clear<br>Buyer Comment (2025-XX-21): Please find Tax Professional loe confirming no association. Thank you. | 4/XX/2025 8:38:24 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313907 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) |  |  |  | Reviewer Comment (2025-XX-28): Sufficient Cure Provided At Closing |  | 4/XX/2025 8:38:30 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313909 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-XX-18): Cleared. | 4/XX/2025 5:34:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313910 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-XX-23): Clear<br>Buyer Comment (2025-XX-21): Please find attached appraisal Receipt acknowledgement | 4/XX/2025 8:19:35 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313911 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-XX-18): Cleared. | 4/XX/2025 5:34:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313913 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]): Acceptable [redacted] title insurance endorsements not obtained for [redacted] loan. The loan file does not evidence the Title Policy includes the [redacted] endorsement or the [redacted] endorsement. (The loan is a [redacted] Section [redacted] [redacted] loan.) |  |  |  |  | Reviewer Comment (2025-XX-23): clear<br>Buyer Comment (2025-XX-23): Please find attached Settlement Statement in that it is mentioned title company charged for [redacted] and [redacted] endorsements | 4/XX/2025 8:27:03 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313914 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-XX-21): [redacted] Received earliest E-Consent.<br>Buyer Comment (2025-XX-21): E-sign Summery uploaded with borrower's consent<br>Buyer Comment (2025-XX-21): Please find attached E-sign summery in that page number [redacted] is borrower's consent Page | 4/XX/2025 11:52:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313918 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | The Title-Sub Escrow, and Endorsement Fees were added, and the Title- Service Fees were increased on the CD dated [redacted], with no valid change provided. |  |  |  | Reviewer Comment (2025-XX-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-XX-23): Please see D [redacted]([redacted] pages) document in that total $[redacted] lender credit is available, $[redacted]for [redacted]% Tolerance exceeded. ($[redacted]-[redacted]) and $[redacted] for appraisal Reinspection fees | 4/XX/2025 6:53:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313919 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Discount Points were increased on the CD dated [redacted], with no valid change provided. |  |  |  | Reviewer Comment (2025-XX-24): [redacted] Received Valid COC along with CD.<br>Buyer Comment (2025-XX-23): Please find attached CD issued on [redacted] as per COC changes<br>Buyer Comment (2025-XX-23): Please attached requested COC | 4/XX/2025 6:53:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313920 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee was added to the CD dated [redacted], with no valid change provided. |  |  |  | Reviewer Comment (2025-XX-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-XX-23): Please see D [redacted] ([redacted] pages) document in that total $[redacted] lender credit is available, $[redacted] for [redacted]% Tolerance exceeded. ($[redacted]-[redacted]) and $[redacted] for appraisal Reinspection fees | 4/XX/2025 6:53:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313922 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to qualify borrowers with less than [redacted] years, but more than [redacted]year of self-employment. Borrowers have several years employment in the [redacted] industry. Compensating factors include credit score of at least [redacted] points more than the minimum required [redacted], reserves of at least [redacted] months, which is[redacted] months more than the minimum required [redacted] months, DTI is at least[redacted]% less than the maximum [redacted]%, residual income of more than $[redacted], [redacted] has worked in the [redacted] industry for[redacted] years, and [redacted] has worked in it for [redacted] years. [redacted] worked in the [redacted] being purchased as [redacted] since [redacted], and well-established business purchased by borrowers. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Guidelines Representative [redacted]<br> Representative FICO: [redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-XX-22): Waived with compensating factors per lender approved exception at origination. |  |  | 4/XX/2025 9:01:05 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313923 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-24): Sufficient Cure Provided At Closing |  | 4/XX/2025 6:53:28 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313924 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-24): Sufficient Cure Provided At Closing |  | 4/XX/2025 6:53:28 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34313929 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verbal verification by a disinterested third party within [redacted] business days of note. |  |  |  | Reviewer Comment (2025-XX-24): clear<br>Buyer Comment (2025-XX-23): Please find VVOE attached. Thank you. | 4/XX/2025 8:18:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313935 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving the housing history being paid with cash to private landlord and no proof of payments provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>DTI: [redacted]<br> Guideline Maximum DTI: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception approval at origination. |  |  | 5/XX/2025 4:17:45 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34313938 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC Document missing in loan file. |  |  |  | Reviewer Comment (2025-XX-21): Clear.<br>Buyer Comment (2025-XX-17): Please find clear fraud guard attached. Thank you. | 4/XX/2025 7:02:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34313939 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report Document missing in loan file. |  |  |  | Reviewer Comment (2025-XX-21): Clear | 4/XX/2025 7:02:22 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34313940 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check missing in loan file. |  |  |  | Reviewer Comment (2025-XX-21): Clear<br>Buyer Comment (2025-XX-17): Please find clear fraud guard attached. Thank you. | 4/XX/2025 7:02:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34313942 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report missing in loan file. |  |  |  | Reviewer Comment (2025-XX-21): Clear<br>Buyer Comment (2025-XX-17): Please find clear fraud guard attached. | 4/XX/2025 7:02:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34313947 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted]days of the Note Date and does not have automatic renewal. |  | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. |  |  |  | Reviewer Comment (2025-XX-09): clear<br>Buyer Comment (2025-XX-07): [redacted]-Policy Renewal | 5/XX/2025 10:46:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34614423 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-XX-29): Provided for both borrowers<br>Buyer Comment (2025-XX-25): uploaded econsent | 7/XX/2025 7:45:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34614431 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-XX-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2025, prior to three (3) business days from transaction date of 07/XX/2025. | Subject loan transaction disbursed on 07/XX/2025, and expiration date listed on the form is 07/XX/2025. |  |  |  | Reviewer Comment (2025-XX-12): PCCD with updated disbursement date provided, exception cleared.<br>Buyer Comment (2025-XX-07): please see attached for XX SS Final PCCD | 8/XX/2025 10:10:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34614450 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Maximum LTV as per guideline is 80% and calculated LTV is 84.783%. |  |  |  | Reviewer Comment (2025-XX-05): Reviewed NONI+ matrix.<br>Buyer Comment (2025-XX-31): Per the Matrix for NONI+, Max LTV for rate/term refinance with credit score 779 is 85%. Please clear. | 8/XX/2025 4:40:01 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34637901 |  |  | Credit | Guideline | Guideline Issue | Guideline | Note has a Prepayment Penalty provision, which is not allowable per guidelines. |  | The prepayment on this loan is for 60 months and will be 6 months interest on the aggregate amount of all prepayments made within any 12 month period in excess of 1/3 of the amount of the original loan. This prepayment does not meet lender guides. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 100.36<br> Guideline Requirement: 6.00 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-13): Client elects to waive with comp factors.<br>Buyer Comment (2025-XX-13): Buyer Comment (2025-XX-13): Lender exception, comp factors, Fico, 649, 106 mos reserves, 65% LTV<br>Buyer Comment (2025-XX-13): Lender exception, comp factors, Fico, 649, 106 mos reserves, 65% LTV |  |  | 8/XX/2025 12:21:34 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | MD | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34637907 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing Purchase Agreement / Sales Contract., however Extension addendum to contract is provided. |  |  |  | Reviewer Comment (2025-XX-02): Purchase Agreement received, exception cleared.<br>Buyer Comment (2025-XX-29): Purchase Contract uploaded for review. | 9/XX/2025 5:06:15 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | FL | Primary | Purchase |  | D | A | D | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650741 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to use CDA from different lender. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 754 | Aggregator,SitusAMC | Reviewer Comment (2025-XX-20): Client elects to waive with compensating factors. |  |  | 5/XX/2025 1:02:13 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34650742 |  |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Mortgage payoff is missing from the file. |  |  |  | Reviewer Comment (2025-XX-21): Received Mortgage payoff document. Exception Cleared.<br>Seller Comment (2025-XX-20): P/O Demand<br> Demand.pdf (Unclassified) was uploaded | 5/XX/2025 12:40:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34650743 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File contains a letter indicating the $XX Was taken at the purchase closing for the 1st 4 months payments which would have been November 2024 - February 2025. There is also a check in the file showing the April 2025 payment was made. The file is missing evidence of the March 2025 mortgage payment. |  |  |  | Reviewer Comment (2025-XX-23): Received March 2025 mortgage payment evidence. Exception cleared.<br>Seller Comment (2025-XX-21): March 2025 pmt<br> March 2025 pmt.pdf (Mortgage) was uploaded | 5/XX/2025 4:29:08 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34650750 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-02): Sufficient Cure Provided At Closing |  | 7/XX/2025 12:49:38 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650751 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $141.27 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-02): Sufficient Cure Provided At Closing |  | 7/XX/2025 12:49:38 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650761 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves are short due to the prepaid HOI insurance on the CD. |  |  |  | Reviewer Comment (2025-XX-09): HOI invoice added to asset.<br>Buyer Comment (2025-XX-08): HOI invoice uploaded for review. | 7/XX/2025 7:56:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Second Home | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650762 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | the mortgage payoff is missing |  |  |  | Reviewer Comment (2025-XX-11): Received Mortgage Loan Payoff Statement. Exception cleared.<br>Buyer Comment (2025-XX-09): Payoff statement uploaded for review.<br>Reviewer Comment (2025-XX-09): Per the reference credit report payoff was $XX as of 06/XX/2025. However the payoff on the CD is $XX. Please clarify discrepancy.<br>Buyer Comment (2025-XX-08): The payoff information was provided via the credit supplement Doc ID XX which denotes payoff balance and per diem. | 7/XX/2025 3:39:10 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Second Home | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650781 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. | Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-24): Loan initially disclosed with escrows. MD Escrow disclosure provided within 10 days of COC waiving escrows and prior to 3 business days before closing.<br>Reviewer Comment (2025-XX-23): Exception has been escalated for compliance review.<br>Buyer Comment (2025-XX-18): Per Md. Code Regs. 09.03.10.03 - Disclosures for Certain Mortgage Loans (2) "If the terms of a mortgage loan of the type described in §A of this regulation, which is secured by a first-position lien on residential real estate, do not provide for the establishment of an escrow account from which property tax and homeowner's insurance payments are made, a disclosure containing the following information, as applicable, and in substantially similar form shall be provided to the borrower: YOU ARE RESPONSIBLE FOR PROPERTY TAX AND HOMEOWNER'S INSURANCE PAYMENTS IN ADDITION TO YOUR REGULARLY SCHEDULED PERIODIC MORTGAGE LOAN PAYMENT: The terms of your mortgage loan do not provide for the establishment of an escrow account from which your property taxes and homeowner's insurance will be paid. This means that your regularly scheduled periodic mortgage loan payment does not cover these sums and you are responsible for paying property taxes and home insurance premiums when the bills arrive. You will need to consider your ability to pay these tax and insurance amounts in addition to paying your regularly scheduled periodic mortgage loan payment.". <br>When the loan was initially disclosed it was disclosed with escrows, per the COC in file Doc ID XX escrows were waived at which time the disclosure was provided.<br>Reviewer Comment (2025-XX-18): Unable to clear. The disclosure was provided on 05/XX/2025 which is not within ten (10) business days of application date of 04/XX/2025 or three (3) business days prior to closing of 06/XX/2025.<br>Buyer Comment (2025-XX-15): Maryland Escrow Account Waiver Disclosure dated 5/XX reflecting borrower responsibility was included in the initial shipping package and is in your portal under doc ID XX. Disclosure Tracking from 5/XX has been provided to support delivery upon discovery. | 7/XX/2025 12:29:27 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MD | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650784 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to pages 3 -5 of the June 2024 statement for XX #XX are not located in the file. |  |  |  | Reviewer Comment (2025-XX-17): Received all pages.<br>Buyer Comment (2025-XX-16): Submitted all pages of XX #XX for review. | 7/XX/2025 3:53:32 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | MD | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650785 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to pages 3 -5 of the June 2024 statement for XX #XX are not located in the file. |  |  |  | Reviewer Comment (2025-XX-17): Received all pages.<br>Buyer Comment (2025-XX-16): Submitted all pages of XX #XX for review. | 7/XX/2025 3:53:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650786 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Pages 3 -5 of the June 2024 statement for XX #XX are not located in the file. |  |  |  | Reviewer Comment (2025-XX-17): Received all pages.<br>Buyer Comment (2025-XX-16): Submitted all pages of XX #XX for review. | 7/XX/2025 3:52:48 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650787 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to pages 3 -5 of the June 2024 statement for XXa #XX are not located in the file. |  |  |  | Reviewer Comment (2025-XX-17): Received all pages.<br>Buyer Comment (2025-XX-16): Submitted all pages of XX #XX for review. | 7/XX/2025 3:53:32 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34650789 |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-XX-17): Flood Cert received.<br>Buyer Comment (2025-XX-16): Flood cert uploaded for review. | 7/XX/2025 3:56:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660596 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | Buyer Comment (2025-XX-22): XX acknowledges and waives this ECOA ev2 finding.<br>Reviewer Comment (2025-XX-22): Under ECOA, a consumer has the right to receive a copy of all appraisals and valuations developed in connection with the loan promptly upon completion or three business days prior to consummation, whichever is earlier. SitusAMC will therefore perform our timing test to three days prior to consummation. The regulations allow the consumer to waive this three day timing through a written waiver if (1) no later than 3 days prior to consummation the consumer provides a written statement waiving the timing requirement altogether; or (2) within 3 days of consummation the consumer provides a written statement waiving the timing requirement and the waiver pertains solely to clerical changes (meaning a preliminary is given prior to three days and a revised version with just clerical changes can be given at closing).<br>Seller Comment (2025-XX-17): The prior verison done on 04/XX, was also delivered to the borrower, see attached acknoldgement,<br> okeefe appraisal ack.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-XX-17): Appraisal was delivered to borrower on 6/XX/25 and note date is 6/XX/25. Since 6/XX & 6/XX were non business days. 3 business days prior to closing requirement not met without waiver. exception remains.<br>Seller Comment (2025-XX-14): Please see attached mising appraisal report dated 04/XX<br> Appraisal Okeef.pdf (Appraisal) was uploaded<br>Reviewer Comment (2025-XX-14): Appraisal was delivered to the borrower on 06/XX/2025, which is not 3 days prior to the note date 06/XX/2025. Exception remains.<br>Seller Comment (2025-XX-09): The borrowers signed the disclosre that they received the appraisal on XX/X --<br>Reviewer Comment (2025-XX-09): Received document Doc ID XX reflects document date 6/XX/2025 which is before Appraisal Report date 06/XX/2025. Exception remains.<br>Seller Comment (2025-XX-08): See attached<br> okeefe.pdf (Unclassified) was uploaded |  |  | 7/XX/2025 10:27:42 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660598 |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | New York Late Charge: Note grace period of 1 days is less than the state minimum of 15 days. |  |  |  |  | Reviewer Comment (2025-XX-10): Revalidated grace period as per Note document. Exception cleared.<br>Seller Comment (2025-XX-09): Please refer to page 2 of the NOTE, Paragraph #6 -- 15 Calander days grace periord was stated | 7/XX/2025 3:32:26 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660599 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC received 06/XX/25 CD, received 3 business days prior to consummation.<br>Seller Comment (2025-XX-08): See attached missing dis.<br> Missing disclosures.pdf (Unclassified) was uploaded | 7/XX/2025 7:35:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660600 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $300.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $300.00 exceeds tolerance of $150.00. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC received COC and LE dated 06/XX.<br>Seller Comment (2025-XX-08): Missing disclosures.pdf (Unclassified) was referenced | 7/XX/2025 7:35:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34660601 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC received COC and LE dated 06/XX.<br>Seller Comment (2025-XX-08): Missing disclosures.pdf (Unclassified) was referenced | 7/XX/2025 7:35:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34660607 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $250.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-18): Sufficient Cure Provided At Closing |  | 7/XX/2025 6:39:11 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34660612 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | All qualifying assets disclosed on final 1003 have been documented and verified, however, is still insufficient to cover reserve requirement of 6 months for bank statement doc type. |  |  |  | Reviewer Comment (2025-XX-30): Received lender exception. This condition cleared.<br>Buyer Comment (2025-XX-25): Submitted approved lender exception for review. | 7/XX/2025 8:55:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660613 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy is due to insufficient reserves. |  |  |  | Reviewer Comment (2025-XX-30): Received lender exception. This condition cleared.<br>Buyer Comment (2025-XX-25): Submitted approved lender exception for review. | 7/XX/2025 8:55:45 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34660614 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure is due to insufficient reserves. |  |  |  | Reviewer Comment (2025-XX-30): Received lender exception. This condition cleared.<br>Buyer Comment (2025-XX-25): Submitted approved lender exception for review. | 7/XX/2025 8:55:45 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34660615 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for 2.21 months in reserves. Exception approved with comp factors. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $3,458.65 | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-XX-30): Client elects to waive with compensating factors. |  |  | 7/XX/2025 8:58:37 AM | 2 |  | B |  | B |  | B |  | B |  | B |  | MI | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689403 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupancy shows both borrowers' principal address same as the subject property. and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2025-XX-25): Updated cert provided<br>Buyer Comment (2025-XX-25): LOE for occupancy uploaded<br>Buyer Comment (2025-XX-24): Corrected non OOO<br>Buyer Comment (2025-XX-20): Not associated with the condition, Master HOA policy uploaded. | 6/XX/2025 7:22:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689404 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Total verified assets of $XX. Cash required from Borrower is $XX. Available for reserves is $XX Per guidelines and matrix for XX with DSCR<1.00, 6-months reserves required for Purchase transactions. |  |  |  | Reviewer Comment (2025-XX-02): Received additional assets, exception cleared.<br>Buyer Comment (2025-XX-26): XX & XX uploaded<br>Reviewer Comment (2025-XX-25): Accounts #XX and #XX were not provided.<br>Buyer Comment (2025-XX-25): additional assets for reserves and XX 1008 and XX<br>• Acct# XX balance $XXbacked out the 2 $XX transfers to acct XX<br> • Acct#XX balance of $XX<br> • Acct#XX balance of $XX<br> • Refund to borrower at closing XX<br>Total assets for reserves $XX Required $XX | 7/XX/2025 7:45:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689406 |  |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | File is evidence of the Number and value of Projects undertaken by the Borrower. |  |  |  | Reviewer Comment (2025-XX-09): Provided<br>Buyer Comment (2025-XX-03): Reference the sign/dated commercial app that was uploaded with the submission. The borrower owns the following investment property other than the subject property: XX | 7/XX/2025 7:44:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689547 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in Loan File. |  |  |  | Reviewer Comment (2025-XX-04): clear<br>Buyer Comment (2025-XX-03): Fraud | 6/XX/2025 6:08:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689549 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report missing in Loan File. |  |  |  | Reviewer Comment (2025-XX-04): clear<br>Buyer Comment (2025-XX-03): see attached Fraud | 6/XX/2025 6:08:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689550 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for a First-Time Homebuyer to exceed the max LTV of 70% and go to 75%.<br> Comp Factors:<br> 1. FICO 40+ points over the minimum required score for the LTV requested.<br> 2. DSCR of 1.15 or higher. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 640<br> Representative FICO: 743 | SitusAMC | Reviewer Comment (2025-XX-04): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-XX-03): exception<br>Reviewer Comment (2025-XX-29): Waived with compensating factors per lender exception approval at origination. |  |  | 6/XX/2025 6:07:59 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689551 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for borrower living rent free. Letter of Explanation in file. Compensating factors: 1) LTV is 10 percentage points < guideline maximum of 75%; 2) credit score is at least 40 points > guideline minimum 660. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 22.69<br> Guideline Requirement: 6.00<br>Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 729 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-02): Waived with compensating factors per lender exception approval at origination. |  |  | 6/XX/2025 11:51:29 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689552 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Final Title Policy shows a blanket mortgage to secure the original indebtedness of $XX from XXLLC to XX, Custodian XX XX, dated September XX, 2024 and recorded October XX, 2024 in Book/Volume XX at Page 104 of the XX Records. Verify the lien is paid and released and property is released from the blanket lien. |  |  |  | Reviewer Comment (2025-XX-02): Cleared<br>Buyer Comment (2025-XX-30): endorsement<br>Reviewer Comment (2025-XX-18): Provide evidence the proeprty will be removed from the blanket lien and Champions will be in first lien position the new title.<br>Reviewer Comment (2025-XX-18): Cleared in error.<br>Reviewer Comment (2025-XX-18): Provide evidence the property will be removed from the blanket lien and Champions will be in first lien position the new title.<br>Buyer Comment (2025-XX-16): final | 7/XX/2025 7:29:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689554 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided in file. |  |  |  | Reviewer Comment (2025-XX-12): clear<br>Buyer Comment (2025-XX-10): Please find initial & final fraud guards attached. Thank you. | 6/XX/2025 9:28:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689556 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asking for a soft exception on less than 12 mo housing history. Borrower pays mortgage since 07/2024. Not able to obtain VOR from the landlord prior to that<br> Compensating Factors:<br> Fico 40 point over min required for the tier<br> Reserves 4 Mo over min required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 37.87<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 759 | Originator,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per updated lender exception approval, removing the need for an LOX from borrower.<br>Buyer Comment (2025-XX-14): revised exception<br>Reviewer Comment (2025-XX-14): Per email correspondence, an updated approved exception form, removing the LOX requirements will be required prior to waiving this condition.<br>Buyer Comment (2025-XX-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-XX-10): VOR received is dated 7/XX/2025, which is post-consummation date of 5/XX/2025. VOR dated on or before consummation, or the required LOX under the additional parameters of the approved exception will be required for review of this condition.<br>Reviewer Comment (2025-XX-10): Provide a corrected VOR for XXe showing the pay history from 10//2024 to current. Both VOR's reflect same dates.<br>Buyer Comment (2025-XX-08): revised VOR<br>Reviewer Comment (2025-XX-11): VOR has XXas the property address. The 1003 says this property is currently owned by the borrower. Dates on VOR do not match the time the 1003 shows for ownership. (9 months). 1003 also reflects that the borrower resided atXXfor 14 years. Provide a VOR to match the 1003 or an updated 1003.<br>Buyer Comment (2025-XX-09): exception was no longer needed. Acceptable VOR was provided. XX<br>Buyer Comment (2025-XX-09): exception<br>Reviewer Comment (2025-XX-04): LOX requested is needed in order to waive this exception. |  |  | 7/XX/2025 4:01:50 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | CT | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689557 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide explanation from borrower regarding prior addresses not listed on the 1003 and also explain why cancelled checks cannot be obtained for verification of rent paid in a timely manner. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 37.87<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 759 | Originator,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per updated lender exception approval removing LOX from borrower requirement.<br>Buyer Comment (2025-XX-14): see attached revised exception<br>Reviewer Comment (2025-XX-14): Per email correspondence, an updated approved exception form, removing the LOX requirements will be required prior to waiving this condition.<br>Buyer Comment (2025-XX-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-XX-10): Provide a corrected VOR for XX showing the pay history from 10//2024 to current. Both VOR's reflect same dates.<br>Buyer Comment (2025-XX-08): see attached VOR<br>Reviewer Comment (2025-XX-11): VOR has XX as the property address. The 1003 says this property is currently owned by the borrower. Dates on VOR do not match the time the 1003 shows for ownership. (9 months). 1003 also reflects that the borrower resided at XX for 14 years. Provide a VOR to match the 1003 or an updated 1003.<br>Buyer Comment (2025-XX-09): exception was no longer needed. Acceptable VOR was provided. XX |  |  | 7/XX/2025 4:02:40 PM | 2 | C | B | C | B | C | B | C | B | D | B |  | CT | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689558 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of this document is required to be completed. |  |  |  | Reviewer Comment (2025-XX-11): clear<br>Buyer Comment (2025-XX-09): affadavit | 6/XX/2025 9:08:59 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689560 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Lender requested an exception to use all cash-out proceeds as reserves. Compensating factors - LTV more than 10% maximum allowed base on the borrower's Fico and DSCR of 1.15 OR higher | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 35.03185%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC | Reviewer Comment (2025-XX-05): Waived with compensating factors per lender exception approval at origination. |  |  | 6/XX/2025 11:00:59 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689589 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Combined Loan to Value: 70.00000%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000%<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $71,071.52<br>DTI: 6.36447% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-21): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-XX-19): 05/19-Exception allowing the use of FICO score of 651 |  |  | 5/XX/2025 9:37:50 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689591 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide the mortgage statement/Note/Final Closing Disclosure for the property XX |  |  |  | Reviewer Comment (2025-XX-19): clear.<br>Buyer Comment (2025-XX-19): final CD<br>Buyer Comment (2025-XX-19): First payment letter<br>Buyer Comment (2025-XX-19): Final SS | 5/XX/2025 2:32:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689593 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Provide the mortgage statement/Note/Final Closing Disclosure for the property XX |  |  |  | Reviewer Comment (2025-XX-19): clear.<br>Buyer Comment (2025-XX-19): see attached docs | 5/XX/2025 2:41:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689594 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-388.00. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provided. |  |  |  | Reviewer Comment (2025-XX-04): Situsamc Received Valid COC along with supporting documents for pricing change.<br>Buyer Comment (2025-XX-03): Please see attached email regarding the lender credit changing to $0.00<br>Buyer Comment (2025-XX-03): Please see attached 05.XX COC form. | 6/XX/2025 1:15:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | B | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34689596 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | One of the borrowers live rent free with someone other than the spouse. This does not meet guidelines. |  |  |  | Reviewer Comment (2025-XX-19): Cleared with lender correspondence.<br>Buyer Comment (2025-XX-19): uw cert | 5/XX/2025 2:35:06 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689598 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  | Reviewer Comment (2025-XX-19): clear<br>Buyer Comment (2025-XX-19): appraisal transfer letter | 5/XX/2025 2:39:42 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689603 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-XX-16): Waived at clients request.<br>Buyer Comment (2025-XX-12): Please waive.<br>Reviewer Comment (2025-XX-09): MD - HPML Disclosure<br>Buyer Comment (2025-XX-05): Please provide exact name of the disclosure you are looking for-and is it a initial disclosure or need to be signed at closing.<br>Reviewer Comment (2025-XX-03): This condition is not in relation to the housing counselor list. Please provide evidence borrower was provided with the other loan options disclosure.<br>Buyer Comment (2025-XX-02): This condition is associated with same MD high-cost condition, can you please remove this condition, we have already waived other condition |  |  | 6/XX/2025 9:27:35 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689604 |  |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 10.53562% or Final Disclosure APR of 10.61600% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-XX-29): We accept EV2 grade |  |  | 5/XX/2025 6:10:16 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689605 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guidelines requirments do not permit borrowers living rent free with anyone other than spouse. |  |  |  | Reviewer Comment (2025-XX-11): cleared with 1008 comments per lenders credit memo.<br>Buyer Comment (2025-XX-09): Please note Underwriter rent free loe comments on 1008. Thank you.<br>Buyer Comment (2025-XX-09): Please see guideline attached as it is @ the underwriter discretion. | 6/XX/2025 7:06:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689606 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving the insufficient XX Coverage on the Master policy using Compensating Factors.. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 34.10335% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 26.62<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 747<br>Documentation Type: 1yr P&L w/Bank Statements<br> Disposable Income: $4,090.64 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-22): Waived with compensating factors per lender exception approval at origination. |  |  | 5/XX/2025 1:34:28 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689607 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA to confirm that they have no association/affiliation with the borrowers and/or the borrowers business. |  |  |  | Reviewer Comment (2025-XX-11): clear<br>Buyer Comment (2025-XX-09): Please see loe attached. Thank you. | 6/XX/2025 7:07:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689611 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,740.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,740.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received valid COC dated 04/XX/2025<br>Buyer Comment (2025-XX-27): Please refer to the COC, date of loan estimate redisclosure is 4/XX/2025, so the originator compensation and discount points changed in 4/XX LE.<br> please see attached 4/XX LE<br>Reviewer Comment (2025-XX-23): SitusAMC received changed circumstance dated 04/XX showing rate lock, but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis.<br>Buyer Comment (2025-XX-23): COC | 5/XX/2025 4:29:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34689612 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $5,740.00 exceeds tolerance of $5,381.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $5,740.00 exceeds tolerance of $5,381.00. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received valid COC dated 04/XX/2025<br>Reviewer Comment (2025-XX-23): SitusAMC received changed circumstance dated 04/XX showing rate lock, but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis.<br>Buyer Comment (2025-XX-23): COC | 5/XX/2025 4:29:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXX | XXXXX | XXXXX |  | 34689616 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2025-XX-30): We accept EV2 grade<br>Reviewer Comment (2025-XX-28): Transfer letter received; however, condition remains EV2 due to transferred appraisal. Client can elect to waive.<br>Buyer Comment (2025-XX-27): Please see attached doc |  |  | 5/XX/2025 8:02:06 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | B | B | A | A | B | B | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689617 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Provide transfer letter and invoice for the transferred appraisal. |  |  |  | Reviewer Comment (2025-XX-28): Transfer letter received.<br>Buyer Comment (2025-XX-23): appraisal transfer letter<br>Buyer Comment (2025-XX-23): D0204 is appraisal invoice | 5/XX/2025 8:38:09 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | B | B | A | A | B | B | B | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689626 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request for B1 (XX who is married) living rent-free with father B2 (XX) for approximately the past 5 years vs program requirement can only live rent free in marital home. Comp Factors: 1. LTV is 10% or more under max allowed. 2. Reserves minimum of 7 months or greater from borrower own funds. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: WVOE<br> Disposable Income: $2,626.79<br>Reserves: 26.69<br> Guideline Requirement: 3.00<br>Combined Loan to Value: 51.89873%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 51.89873%<br> Guideline Maximum Loan to Value: 80.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-03): Waived with compensating factors per lender exception approval at origination. |  |  | 6/XX/2025 1:00:18 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase |  | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689630 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 38.48695% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 59.39<br> Guideline Requirement: 3.00<br>Documentation Type: WVOE<br> Disposable Income: $6,171.18 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-11): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-XX-09): exception<br>Reviewer Comment (2025-XX-07): Comments on the 1008 indicate an exception was granted to living rent free. Please provide approved exception.<br>Buyer Comment (2025-XX-06): 1008 |  |  | 6/XX/2025 9:14:36 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | AZ | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689632 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  | The file is missing verification of employment within 10 days of the Note date. |  |  |  | Reviewer Comment (2025-XX-13): clear<br>Buyer Comment (2025-XX-11): B2 VVOE<br>Reviewer Comment (2025-XX-11): VOE for B2 not dated within 10 days of the Note.<br>Buyer Comment (2025-XX-09): B2 | 6/XX/2025 7:28:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689633 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  | The file is missing verification of employment within 10 days of the Note date. |  |  |  | Reviewer Comment (2025-XX-11): clear<br>Buyer Comment (2025-XX-09): VVOE | 6/XX/2025 7:35:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689634 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 10 days of the Note date. |  |  |  | Reviewer Comment (2025-XX-13): clear<br>Buyer Comment (2025-XX-11): see attached VVOE<br>Reviewer Comment (2025-XX-11): VOE for B2 not dated within 10 days of the Note.<br>Buyer Comment (2025-XX-09): see attached docs | 6/XX/2025 7:29:49 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689641 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2025-XX-17): Cleared.<br>Buyer Comment (2025-XX-13): PFA proof of Delivery | 6/XX/2025 7:11:18 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689642 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.30667% or Final Disclosure APR of 9.40000% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.30667% or Final Disclosure APR of 9.40000% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-XX-17): Cleared.<br>Buyer Comment (2025-XX-13): PFA proof of Delivery | 6/XX/2025 7:11:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689643 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) |  |  |  | Reviewer Comment (2025-XX-17): Cleared.<br>Buyer Comment (2025-XX-13): PFA proof of Delivery | 6/XX/2025 7:11:18 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689644 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-XX-17): Cleared.<br>Buyer Comment (2025-XX-13): PFA proof of Delivery | 6/XX/2025 7:11:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34689661 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Other not provided |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-08): Received required documentation/clarification. Condition cleared.<br>Seller Comment (2025-XX-03): attesting that these reserved sections do not refer to additional documentations to note | 7/XX/2025 8:57:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689664 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-08): Received required documentation/clarification. Condition cleared.<br>Seller Comment (2025-XX-03): attesting that the reserved sections do not refer to additional documentation | 7/XX/2025 9:02:09 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689667 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-XX-14): Client elects to waive. |  |  | 7/XX/2025 12:49:29 PM | 2 | A | A | D | D | A | A | A | A | A | A |  | GA | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689670 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets for closing of $XX is less than cash required from Borrower of $XX. |  |  |  | Reviewer Comment (2025-XX-07): XX account statement provided<br>Buyer Comment (2025-XX-05): please see attached quarterly statement for their IRA reflecting $XX in balance<br>Reviewer Comment (2025-XX-05): Account ending #XX dated 06/XX/2025 was included in asset. However, total amount from the account is $XX.<br>Buyer Comment (2025-XX-01): it appears the account ending in \*XX is not being included. I've attached the two statements. This adds $XX in reserves.<br>Reviewer Comment (2025-XX-31): Per Final HUD, Cash to close is $XX+ XX $XX= $XX + 6 months of reserves $XX total of $XXis required. Total asset available XX bank $XX + XX #XX $XX + #XX $XXX is $XX. Required additional funds in amount of $XX. Exception remains.<br>Buyer Comment (2025-XX-30): per final HUD that was provided, borrower cash to close is $XXX. 6 months of reserves is $XX for a total of $XX in required reserves. We provided 2 months worth of bank statements for the following accounts with the following balances for a total of ~XX<br>Reviewer Comment (2025-XX-29): Provided bank statements are part of initial package. Additional asset documentation is required to cover the difference as cash from borrower is $XX and assets available for closing is $XX. Exception remains.<br>Buyer Comment (2025-XX-25): see attached statements<br>Reviewer Comment (2025-XX-24): Provided bank statement with account number #XX is a part of initial package. Additional asset documentation is required to cover the difference as cash from borrower is $XXand assets available for closing is $XX. Exception remains.<br>Buyer Comment (2025-XX-22): verified $XX in liquidity | 8/XX/2025 8:12:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689671 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Six months reserves is required however additional assets for reserves is not located in the file. $XX has been verified. |  |  |  | Reviewer Comment (2025-XX-07): additional asset docs provided<br>Reviewer Comment (2025-XX-05): Account ending #XX dated 06/XX/2025 was included in asset. However, total amount from the account is $XX.<br>Buyer Comment (2025-XX-01): it appears the account ending in \*XX is not being included. I've attached the two statements. This adds $XX in reserves.<br>Reviewer Comment (2025-XX-31): Per Final HUD, Cash to close is $XX XX $XX = $XX + 6 months of reserves $XX total of $XX is required. Total asset available XX bank $XX + XX #XX $XX + #XX $XX is $XX. Required additional funds in amount of $XX. Exception remains.<br>Buyer Comment (2025-XX-30): per final HUD that was provided, borrower cash to close is XX months of reserves is $XX for a total of $XXin required reserves. We provided 2 months worth of bank statements for the following accounts with the following balances for a total of ~XX<br>Reviewer Comment (2025-XX-24): Provided bank statement with account number #XX is a part of initial package. Additional asset documentation is required to cover 6 months of reserve requirement. Exception remains.<br>Seller Comment (2025-XX-22): verified $XXin liquidity | 8/XX/2025 8:12:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689672 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved are missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-01): Received clarification/approval/documentation from lender. Condition cleared.<br>Buyer Comment (2025-XX-30): Lender attests that sections titled "RESERVED" on the note are intentionally omitted as they do not apply to the transaction | 8/XX/2025 8:12:29 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689673 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The signature page (page 15) for Guarantor Agreement is not located in the file. |  |  |  | Reviewer Comment (2025-XX-24): The signature page (page 15) for Guarantor Agreement located in the file. Exception cleared.<br>Seller Comment (2025-XX-22): it is in the docs | 7/XX/2025 3:32:07 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689674 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-XX-24): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-XX-22): see attached | 7/XX/2025 3:18:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689676 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-24): Received required documentation/clarification. Condition cleared.<br>Seller Comment (2025-XX-22): there are none | 7/XX/2025 6:57:41 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689677 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A Name/AKA affidavit to confirm that XX and XX are one in the same is not located in the file. |  |  |  | Reviewer Comment (2025-XX-13): Cleared. Received required document.<br>Buyer Comment (2025-XX-13): Aka statement<br>Reviewer Comment (2025-XX-24): Provide a Name/AKA affidavit to confirm that XX and XX are one and the same. Exception remains.<br>Seller Comment (2025-XX-22): theya re the same | 8/XX/2025 4:38:01 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689683 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing signed final HUD/CD in file. |  |  |  | Reviewer Comment (2025-XX-24): Received Final Closing Statement. Exception cleared. | 7/XX/2025 4:07:26 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689684 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-24): Received clarification/approval/documentation from lender. Condition cleared.<br>Seller Comment (2025-XX-22): there are no additional documents/addendums/riders | 7/XX/2025 7:17:29 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689686 |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | No Evidence of Condo is warrantable available in file. |  |  |  | Reviewer Comment (2025-XX-13): Received Condominium Project Questionnaire in the file. Exception Cleared.<br>Buyer Comment (2025-XX-12): XXis the generic address for the condo project. Page 6 has the specific condo address<br>Reviewer Comment (2025-XX-12): Provided Condo Questionnaire does not reflect subject property address. Exception remains.<br>Seller Comment (2025-XX-11): Uploaded Condo Questionnaire from Lender<br>Buyer Comment (2025-XX-11): Condo Questionaire | 8/XX/2025 3:47:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34689700 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-XX-28): Esign consent provided<br>Buyer Comment (2025-XX-26): Econsent | 8/XX/2025 7:43:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689703 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2025, Most Recent Tax Return End Date 12/XX/2023, Tax Return Due Date 04/XX/2025. | Most recent (2024) 1040s not provided in file. |  |  |  | Reviewer Comment (2025-XX-28): Client elects to waive.<br>Buyer Comment (2025-XX-26): extension |  |  | 8/XX/2025 7:43:41 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | WI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689704 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final CD provided to borrower at closing on 8/XX/2025. |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received initial CD dated 07/08.<br>Buyer Comment (2025-XX-26): initial CD | 8/XX/2025 4:08:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689706 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-610.00. Insufficient or no cure was provided to the borrower. | Lender credit disclosed as $-610.00 on initial CD and then as $0.00 on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received multiple COC and CDs.<br>Buyer Comment (2025-XX-26): COC CD and COC is the last pge | 8/XX/2025 4:08:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34689707 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,535.35 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan discount points not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received multiple COC and CDs.<br>Buyer Comment (2025-XX-26): COC on the last pge | 8/XX/2025 4:08:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34689709 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provided title policy amount of $XX is less than the note amount of $XX. |  |  |  | Reviewer Comment (2025-XX-10): Received title supplemental report, Exception cleared.<br>Seller Comment (2025-XX-10): Please advise if this will be cleared - we uploaded a title supplement showing loan amount to be $XX - thank you<br>Buyer Comment (2025-XX-09): title supp for loan amt | 9/XX/2025 1:56:30 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689710 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-XX-08): Esign consent provided<br>Buyer Comment (2025-XX-04): both econsents | 9/XX/2025 7:23:34 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689711 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial rate lock not provided. |  |  |  | Reviewer Comment (2025-XX-08): Rate lock provided<br>Buyer Comment (2025-XX-04): initial lock | 9/XX/2025 7:23:50 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXXXX | XXXXX | XXXXX |  | 34689713 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,281.95 exceeds tolerance of $807.00. Insufficient or no cure was provided to the borrower. | Loan discount points were disclosed as $807.00 on the initial(final)LE and initial CD but then increased to $2,281.00 on the final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC Received Valid COC dated 07/XX/2025.<br>Buyer Comment (2025-XX-09): COC CD for points change<br>Buyer Comment (2025-XX-09): lender cert for points | 9/XX/2025 6:19:10 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| XXXXX | XXXXX | XXXXX |  | 34717602 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Verification of mortgage of borrower primary property. |  |  |  | Reviewer Comment (2025-XX-26): Lien was paid in full in 2023.<br>Buyer Comment (2025-XX-25): primary property mortgage XX is paid in full as per credit report(check high limit is $XX-same as in fraud report loan amount) | 8/XX/2025 7:18:02 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34717603 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Higher Lease amount used by lender to calculate DSCR and evidence of 2 months of receipt was not provided. |  |  |  | Reviewer Comment (2025-XX-26): Cleared with 2 rent checks and lease.<br>Buyer Comment (2025-XX-25): please see<br>Buyer Comment (2025-XX-25): two months' rent can be one month rent and one month security deposit-check no. XX is for rent and check no. XX is for security deposit<br>Buyer Comment (2025-XX-25): we can use higher actual lease amount-provided we have 2 months of receipt.Please see attached checks there are two different checks-check numbers are different deposited for rent | 8/XX/2025 7:15:02 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXXXX | XXXXX | XXXXX |  | 34717604 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | only 1 month provided; however, 2 months are required by guidelines |  |  |  | Reviewer Comment (2025-XX-17): Second month statement received<br>Buyer Comment (2025-XX-15): March | 7/XX/2025 4:30:59 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717613 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | The final application reflects the borrower is a U.S. Citizen; however, the file contains documentation to verify the borrower is not a Citizen. Citizenship needs to be corrected. |  |  |  | Reviewer Comment (2025-XX-04): Corrected final 1003 received in trailing docs<br>Buyer Comment (2025-XX-31): certificate<br>Buyer Comment (2025-XX-31): 1003 | 8/XX/2025 5:32:33 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717614 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan was approved using personal bank statements for income qualification. The guidelines require all parties on the personal bank account to be included as borrowers on the application unless each deposit is documented as business income with invoice of service. The bank statements used show a third party not on the loan and the file does not contain the required invoices. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 38.96<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 760 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-XX-18): Waived with compensating factors per lender exception received in trailing docs.<br>Buyer Comment (2025-XX-17): exception |  |  | 7/XX/2025 10:15:25 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717615 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan was underwritten with Alt Documentation, which requires one of the following for the ITIN borrower: IRS letter dated less than 3 years ago confirming ITIN; Fully executed W7, including agent's signature; or Letter from tax preparer confirming they have filed the borrower's most recent tax return with the IRS. The file does not contain the IRS letter or W7. The file does contain a CPA letter; however, the letter does not state the CPA filed the tax returns as the letter only states the CPA reviewed the tax returns. |  |  |  | Reviewer Comment (2025-XX-18): Received ITIN and fully completed W-7.<br>Buyer Comment (2025-XX-17): W7 | 7/XX/2025 10:14:41 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Purchase |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717616 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $208.00 exceeds tolerance of $174.00 plus 10% or $191.40. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-07): Sufficient Cure Provided At Closing |  | 7/XX/2025 9:06:13 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717617 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The ITIN guidelines are not met as the file is missing the required ITIN documentation. |  |  |  | Reviewer Comment (2025-XX-18): Received ITIN and completed W-7.<br>Buyer Comment (2025-XX-17): see attached docs | 7/XX/2025 10:14:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717622 |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The file is missing the gift letter for $XX. The donor provided a gift letter for $XX; however, the gift amount changed to $XX. A corrected gift letter is required. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 21.82297% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $25,609.85 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-26): Waived with compensating factors at clients request.<br>Buyer Comment (2025-XX-22): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-XX-22): Gift letter is dated post closing.<br>Buyer Comment (2025-XX-20): gift letter<br>Reviewer Comment (2025-XX-06): Provide an updated gift letter signed by borrower for the correct amount.<br>Buyer Comment (2025-XX-02): gift Letter |  |  | 8/XX/2025 12:42:13 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717623 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The file is missing the gift letter for $XX. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 21.82297% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $25,609.85 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-26): Waived with compensating factors at clients request.<br>Buyer Comment (2025-XX-22): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-XX-22): Gift letter is dated post closing.<br>Buyer Comment (2025-XX-20): see attached gift letter<br>Reviewer Comment (2025-XX-06): Provide an updated gift letter signed by borrower for the correct amount.<br>Buyer Comment (2025-XX-02): see attached gift letter |  |  | 8/XX/2025 12:41:34 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717624 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing REO documentation. |  |  |  | Reviewer Comment (2025-XX-26): Guidelines do not reference fees such as lot rent for mobile home debt. Structures are free and clear per property profile.<br>Buyer Comment (2025-XX-26): See attached property profile for Trailer 6 & 7, Borrower owns both properties free and clear. Lot rent would not be required. HOI is not required on manufactured home.<br>Buyer Comment (2025-XX-26): Trailer 7<br>Buyer Comment (2025-XX-26): Trailer 6 | 8/XX/2025 12:40:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717625 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ | There are 2 properties on the fraud report which both are within the same mobile home park with units #6 and #7. The fraud report and the property history reports provided for both properties reflect the borrower as the owner for both units and does not specify whether there is a Sr or Jr. The final application, on page 1 under the Current Address section, reflects #7 is the borrower's departing residence; however, this property is not listed in the REO section of the application to verify whether the status of the property. The final application, on page 3 under the REO section, reflects #6 as pending sale. The file is missing evidence of the insurance and lot rent for the mobile home park for both properties. If one or both of these properties are sold or pending sale, documentation to verify the sale is required. If one or both of these properties are not owned by the borrower, documentation to verify the ownership is required. |  |  |  | Reviewer Comment (2025-XX-26): Guidelines do not reference fees such as lot rent for mobile home debt. Structures are free and clear per property profile.<br>Buyer Comment (2025-XX-26): See attached property profile for Trailer 6 & 7, Borrower owns both properties free and clear. Lot rent would not be required. HOI is not required on manufactured home. | 8/XX/2025 12:39:27 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717630 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Initial and Final 1003 disclosed borrower as US citizen. |  |  |  | Reviewer Comment (2025-XX-08): cleared with 1003.<br>Buyer Comment (2025-XX-06): 1003 | 8/XX/2025 8:33:41 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717631 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  | Verification of employment is not within 10 calendar days of the Note. |  |  |  | Reviewer Comment (2025-XX-01): Cleared with VVOE<br>Buyer Comment (2025-XX-30): VVOE | 8/XX/2025 10:01:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717632 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-XX-01): Cleared with alert summary.<br>Buyer Comment (2025-XX-30): Fraud summary | 8/XX/2025 10:02:15 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717637 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,730.00 exceeds tolerance of $1,560.00. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as $1,560 on LE but disclosed as $2,730 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-XX-23): SitusAMC received a valid COC.<br>Buyer Comment (2025-XX-22): Please see attached 6.05 Rate Lock<br>Buyer Comment (2025-XX-22): Please see attached 6.05 COC & CD | 7/XX/2025 2:39:30 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717638 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing page 2 of the IRS form CP565. |  |  |  | Reviewer Comment (2025-XX-12): Cleared with the complete document.<br>Buyer Comment (2025-XX-08): pg 2 | 8/XX/2025 9:52:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Purchase |  | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717640 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 months bank statements or cancelled checks required for rent paid to private landlord. Lender exception in file. Compensating factor: Reserves | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 8.52<br> Guideline Requirement: 3.00 | SitusAMC | Reviewer Comment (2025-XX-22): Waived with compensating factors per lender exception approval at origination. |  |  | 7/XX/2025 5:03:53 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | D | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717642 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.58682% or Final Disclosure APR of 8.65300% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-XX-27): Cleared with appraisal notice of delivery.<br>Buyer Comment (2025-XX-26): Please see the 6.24 appraisal audit | 8/XX/2025 6:52:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717643 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-XX-27): Cleared with appraisal notice of delivery.<br>Buyer Comment (2025-XX-26): Please see attached 6.24 appraisal audit | 8/XX/2025 6:52:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717644 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/XX/2025 not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on 07/XX/2025 not received by borrower at least four (4) business days prior to closing |  |  |  | Reviewer Comment (2025-XX-28): SitusAMC received receipt of signed LE dated 07/XX/2025.<br>Buyer Comment (2025-XX-27): Please see the attached signed 07.01 LE<br>Buyer Comment (2025-XX-27): Please see attached 7.01 LE<br>Reviewer Comment (2025-XX-27): SitusAMC received disclosures summary but as per the statement provided it refers to CD dated 07/01. While there is no CD dated 07/01. Please provide corrected document and disclosures summary for final LE dated 07/01.<br>Buyer Comment (2025-XX-26): Please see attached 7.01 LE Audit.<br>Reviewer Comment (2025-XX-07): SitusAMC received esign process summary for the document uploaded information, No entry states that history of a disclosure sent to borrower that was signed and viewed. Please provide documentation of receipt if available for LE dated 07/XX/2025.<br>Buyer Comment (2025-XX-06): Please see attached 7.01 CD Audit | 8/XX/2025 6:22:31 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| XXXXX | XXXXX | XXXXX |  | 34717646 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $504.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee Amount of $504.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-XX-07): SitusAMC received valid COC dated 07/XX/2025<br>Buyer Comment (2025-XX-06): Please see attached 7.03 CD & COC | 8/XX/2025 6:00:06 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/27/2025 4:03:38 PM** | **Run Date - 10/27/2025 4:03:38 PM** | **Run Date - 10/27/2025 4:03:38 PM** | **Run Date - 10/27/2025 4:03:38 PM** | **Run Date - 10/27/2025 4:03:38 PM** | **Run Date - 10/27/2025 4:03:38 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | D | D | D |  | D | B | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXXX | XXXXX | XXXXX |  |  |  | C | C | C | C | D |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXXX | XXXXX | XXXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/27/2025 4:03:39 PM** | **Run Date - 10/27/2025 4:03:39 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.540% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.540% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.500% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.280% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.010% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.010% |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.880% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.060% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.920% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.920% |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.540% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.500% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.890% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.680% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.780% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.200% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.410% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.160% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of PRP VI AIV Holdings, LLC (the "Client"). The review included a total of 156 newly originated residential mortgage loans, in connection with the securitization identified as PRPM 2025-NQM5 (the "Securitization"). The Review was conducted from March 2025 through August 2025 on mortgage loans originated between February 2025 and July 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (156 loans in total):

One (1) loan had a Secondary Appraisal, zero (0) loans had AVMs, and eighty-one (81) loans had a Desktop Review.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred fifty-six (156) mortgage loans reviewed, ninety-four (94) unique mortgage loans (60.26% by loan count) had a total of two hundred twenty (220) tape discrepancies across thirty-one (31) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;19.09% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;34 | &nbsp;&nbsp;15.45% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.18% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;28 | &nbsp;&nbsp;12.73% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.45% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.55% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 142 | $57468279.00 | 91.03% |
| Event Grade B | 14 | $5551849.00 | 8.97% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 156 | $63020128.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 148 | 94.87% |
| Event Grade B | 8 | 5.13% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 156 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 87 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 87 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 87 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 64 | 92.75% |
| Event Grade B | 5 | 7.25% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 69 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 154 | 98.72% |
| Event Grade B | 2 | 1.28% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 156 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;108 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Personal Bank Statements Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***154*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***85*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Listed for Sale on Refinance Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property – Parcel Issues | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***74*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2504155948 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2505156264 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per Loan Approval |
| 92300184523 |  | Qualifying All Borrower Residual Income | XXXX | XXXX | $1,500 residual income is required per NQMF Matrix. |
| 2504154187 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2412142538 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2504156031 |  | Application Date | XXXX | XXXX | Confirmed with Initial 1003. |
| 2505157324 |  | Application Date | XXXX | XXXX | Per initial application |
| 2504152956 |  | Qualifying Total Debt Income Ratio | 38.23 | 38.22 | Rounding |
| 2504156010 |  | Number of Borrowers | 2 | 1 | Per Note |
| 2504156010 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2504156010 |  | Qualifying Total Debt Income Ratio | 35.55 | 36.24 | Per debt calculation |
| 2505156811 |  | Number of Borrowers | 2 | 1 | Per Note |
| 2505156811 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2505156302 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2504153392 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2504153392 |  | Qualifying Total Debt Income Ratio | 24.69 | 23.58 | Per income and debt calculations |
| 2505156722 |  | Application Date | XXXX | XXXX | Per initial application |
| 2505156722 |  | Qualifying Total Debt Income Ratio | 13.93 | 16.32 | DTI difference due to removal of collection account |
| 2505156550 |  | Application Date | XXXX | XXXX | per initial 1003. |
| 2505156550 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | per Loan Approval. |
| 2505156550 |  | Qualifying Total Debt Income Ratio | 33.18 | 30.51 | per income docs and liabilities provided in file - variance in rental income for subject property. |
| 2505157456 |  | Application Date | XXXX | XXXX | per initial application/e-consent. |
| 2504155233 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2504155233 |  | Closing/Settlement Date | XXXX | XXXX | Per CD |
| 2505157210 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505158233 |  | Application Date | XXXX | XXXX | Per intial application |
| 2505158233 |  | Qualifying Total Debt Income Ratio | 42.84 | 43.66 | Per income and debts. XXXX $161.79 on final 1003 wasn't on credit report. |
| 2505156228 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per loan approval |
| 2505157986 |  | Application Date | XXXX | XXXX | per initial application |
| 2505157986 |  | Qualifying Total Debt Income Ratio | 17.02 | 17.56 | Per debt and difference in REO. My calculation were $2249.25 vs Lender $2955 for property at XX |
| 2505157986 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per loan approval |
| 2503151137 |  | Application Date | XXXX | XXXX | per initial application |
| 2505158192 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per Loan Approval |
| 2505158192 |  | Qualifying Total Debt Income Ratio | 10.63 | 7.46 | Per income and debt |
| 2505157780 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2505157780 |  | Qualifying Total Debt Income Ratio | 33.66 | 32.10 | Per income being less vs lender. |
| 2505157615 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505156796 |  | Qualifying Total Debt Income Ratio | 8.38 | 9.40 | per debts calculated |
| 3511820 |  | Interest Rate | 7.25 | 0.0725 | Per note |
| 3511820 |  | Prepayment Penalty Flag | Y | Yes | Per note |
| 3511820 |  | Qualifying CLTV | 53.1 | 0.53 | Per appraisal 1 and note |
| 3511820 |  | Qualifying LTV | 53.1 | 0.53 | Per appraisal 1 and note |
| 2505157728 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505157728 |  | Qualifying Total Debt Income Ratio | 31.36 | 31.72 | Per income vs liabilities |
| 2505157057 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505157057 |  | Borrower 1 Self-Employment Flag | Yes | No | Verified by the income. |
| 2505157057 |  | Qualifying Total Debt Income Ratio | 40.98 | 38.21 | Verified by the calculations. |
| 92400184350 |  | ULI | XXXX | XXXX | Confirmed with Final 1003. |
| 92400184350 |  | Qualifying Total Reserves Number of Months | 52.4 | 52.72 | Confirmed with bank statements provided. |
| 92400184350 |  | Qualifying All Borrower Residual Income | XXXX | XXXX | Confirmed with Income documentation, bank statements for income verification and Credit Report. |
| 2504156032 |  | Application Date | XXXX | XXXX | per initial application |
| 2505159044 |  | Application Date | XXXX | XXXX | per initial application |
| 2505159044 |  | Qualifying Total Debt Income Ratio | 35.35 | 35.56 | per debts and income calculations |
| 2505157641 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505157641 |  | Qualifying Total Debt Income Ratio | 41.13 | 47.67 | Verified by the calculations. DTI difference is due to a XX payment of $2014 on Final 1003 not reflecting on Credit report and no LOE in file. |
| 2505157930 |  | Application Date | XXXX | XXXX | per initial application |
| 2504155743 |  | Application Date | XXXX | XXXX | Per initial application |
| 3511935 |  | Interest Rate | 6.999 | 0.0700 | rounding, matches lender |
| 3511935 |  | Qualifying LTV | 74.91 | 0.75 | rounding, matches lender |
| 3511935 |  | Qualifying CLTV | 74.91 | 0.75 | rounding, matches lender |
| 2505158289 |  | Application Date | XXXX | XXXX | per initial application |
| 2505159117 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2505158000 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2505159096 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 3512111 |  | Interest Rate | 8.5 | 0.0850 | Per note |
| 3512111 |  | Qualifying CLTV | 80.0 | 0.80 | Per sales contract and note |
| 3512111 |  | Qualifying LTV | 80.0 | 0.80 | Per sales contract and note |
| 2505158166 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505158166 |  | Borrower 1 Self-Employment Flag | Yes | No | Per 1003 |
| 2505158469 |  | Number of Borrowers | 2 | 1 | Per note |
| 2505158469 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505157287 |  | Application Date | XXXX | XXXX | Verified to LO signature initial 1003 |
| 2506159327 |  | Application Date | XXXX | XXXX | Per Initial 1003. |
| 2506159327 |  | Qualifying Total Debt Income Ratio | 42.64 | 40.23 | Audit DTI is higher than Lender DTI due to the liabilities used on credit report dated 5/XX/25. Audit has accounted for all liabilities on the credit report in LM and there is no documentation in file that would add or delete any liabilities listed on credit report. |
| 2505158694 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505158577 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505158577 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Verified by the guidelines. |
| 2506159467 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505157957 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505158237 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506160165 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2506160165 |  | Qualifying Total Debt Income Ratio | 24.44 | 25.45 | Verified by the calculations. |
| 2506159360 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159360 |  | Qualifying Total Debt Income Ratio | 48.57 | 48.38 | Per debts vs income |
| 2505158891 |  | Application Date | XXXX | XXXX | per initial application |
| 2505158891 |  | Qualifying Total Debt Income Ratio | 34.06 | 35.66 | per debts and income calculations |
| 2506159583 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2506159583 |  | Qualifying Total Debt Income Ratio | 34.79 | 31.60 | Overtime income calculation |
| 2506159203 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2504156044 |  | Interest Rate | 8.125 | 0.0000 | Per note |
| 2504156044 |  | Number of Borrowers | 3 | 2 | Per note |
| 2504156044 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2504156044 |  | Qualifying Total Debt Income Ratio | 32.82 | 38.70 | Per debts vs income |
| 2505158131 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2505158131 |  | Qualifying Total Debt Income Ratio | 8.89 | 9.43 | Verified by the calculations. |
| 2505158457 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159184 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2506159184 |  | Property Value | XXXX | XXXX | Verified by the appraisal. |
| 2506159184 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Verified by the guidelines. |
| 2505158975 |  | Number of Borrowers | 2 | 1 | per Note |
| 2505157981 |  | Application Date | XXXX | XXXX | Per initial 1003/Intent to Proceed/Initial LE |
| 2505157981 |  | Qualifying Total Debt Income Ratio | 38.83 | 38.80 | Per monthly debts / monthly income per bank statements and credit report |
| 2503152409 |  | Application Date | XXXX | XXXX | The application date on initial 1003 is 3/XX/2025. |
| 2503152409 |  | Qualifying Total Debt Income Ratio | 12.1 | 12.14 | The DTI does not match the Lender's. UW did not include the self-reported account. |
| 2506159501 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159501 |  | Closing/Settlement Date | XXXX | XXXX | Per CD |
| 2506159501 |  | Qualifying Total Debt Income Ratio | 44.7 | 43.32 | Per debts vs income |
| 2506159350 |  | Number of Borrowers | 2 | 1 | Verified by the Note. |
| 2506159350 |  | Application Date | XXXX | XXXX | Verified by the initial 1003. |
| 2506159791 |  | Application Date | XXXX | XXXX | per initial application |
| 2505156729 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505156729 |  | Qualifying Total Debt Income Ratio | 23.02 | 23.04 | Per debts vs income |
| 2505158983 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159571 |  | Borrower 1 Self-Employment Flag | Yes | No | Per employment data |
| 2506159571 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159571 |  | Closing/Settlement Date | XXXX | XXXX | Per CD |
| 2506159571 |  | Qualifying Total Debt Income Ratio | 44.41 | 45.72 | Per debts vs income |
| 2504156050 |  | Application Date | XXXX | XXXX | per 1003 |
| 2504156050 |  | Qualifying Total Debt Income Ratio | 27.03 | 27.02 | per debts vs income |
| 2505158948 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159564 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159564 |  | Qualifying Total Debt Income Ratio | 35.63 | 35.62 | Per debts vs income |
| 2506159366 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505157132 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2505157132 |  | Qualifying LTV | 50.57 | 50.58 | Per value vs loan amount |
| 2505157132 |  | Qualifying CLTV | 50.57 | 50.58 | Per value vs loan amount |
| 2505157132 |  | Qualifying Total Debt Income Ratio | 5.47 | 5.48 | Per debts vs income |
| 2505158988 |  | Application Date | XXXX | XXXX | per 1003 |
| 2506159721 |  | Application Date | XXXX | XXXX | Per Initial 1003 |
| 2506159721 |  | Qualifying Total Debt Income Ratio | 44.08 | 40.39 | Per debt and income calculations |
| 2506159721 |  | Loan Product Type | 5/1 or 5/6 Mos ARM | NANQ / TRID - 5/6 ARM 30YR | Per Note |
| 2505157776 |  | Number of Borrowers | 2 | 1 | 2 borrowers per Note. |
| 2505157776 |  | Qualifying Total Debt Income Ratio | 39.09 | 38.63 | Lender used $XXXX YTD + Prior Yr AVG for OT compared to Audit using lower amount of $XXXX YTD + Prior 2 Yrs AVG for most conservative income approach. |
| 2505158561 |  | Application Date | XXXX | XXXX | Verified via initial 1003. |
| 2505158624 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159236 |  | Application Date | XXXX | XXXX | Per 1003 |
| 2506159236 |  | Qualifying Total Debt Income Ratio | 47.36 | 48.39 | Per debts vs income |
| 2506159236 |  | Loan Product Type | 40 Year Fixed IO | NANQ / TRID - 40 Yr Fixed I/O | Per note |
| 3512472 |  | Qualifying Total Debt Income Ratio | 47.78 | 47.61 | The mortgage payment for XXXX was $XXXX and the Lender used $XXXX. |
| 3512604 |  | Loan Purpose | Refinance | Refinance - Rate & Term | matches lender, no issues |
| 3512604 |  | Monthly Total Escrow Payment | 819.26 | 909.26 | verified with final settlement statement |
| 3512604 |  | Qualifying Total Debt Income Ratio | 48.43 | 43.83 | Lender did not include subject property PITIA into their DTI. No rental income was given to subject property per ULAW. Audit DTI of 48.43% is correct. |
| 3513052 |  | Monthly Total Escrow Payment | 146.93 | 222.51 | verified $146.93 per hud |
| 3513052 |  | Originator DSCR | 1.256 | 1.157 | Lender did not include all county and township taxes into DSCR ratio. |
| 2504152914 |  | P&I | XXXX | XXXX | Blank data tape |
| 2504152914 |  | PITIA | XXXX | XXXX | blank data tape |
| 2504152914 |  | Monthly Insurance | 124.55 | 0.00 | blank data tape |
| 2504152914 |  | Monthly Taxes | 1041.91 | 0.00 | Blank data tape |
| 2504155069 |  | P&I | XXXX | XXXX | P&I is $XXXX |
| 2504155069 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158258 |  | P&I | XXXX | XXXX | Blank data tape |
| 2505158258 |  | PITIA | XXXX | XXXX | Blank data tape |
| 2505158258 |  | Monthly Insurance | 93.08 | 0.00 | Blank data tape |
| 2505158258 |  | Monthly Taxes | 343.30 | 0.00 | Blank data tape |
| 2505158541 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505158541 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505158541 |  | Monthly Insurance | XXXX | 0.00 | Blank data tape |
| 2505158541 |  | Monthly Taxes | XXXX | 0.00 | blank data tape |
| 2504154470 |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | Appraisal reflects 6 units |
| 2505158350 |  | P&I | XXXX | 0.00 | blank data tape |
| 2505158350 |  | PITIA | XXXX | 0.00 | blank data tape |
| 2505158350 |  | Monthly Insurance | 61.29 | 0.00 | blank data tape |
| 2505158350 |  | Monthly Taxes | 132.35 | 0.00 | blank data tape |
| 2505157007 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158093 |  | P&I | XXXX | 0.00 | blank data tape |
| 2505158093 |  | PITIA | XXXX | 0.00 | blank data tape |
| 2505158093 |  | Monthly Insurance | 61.16 | 0.00 | Blank data tape |
| 2505158093 |  | Monthly Taxes | 132.91 | 0.00 | blank data tape |
| 2505158152 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of insurance and taxes |
| 2505158152 |  | Monthly Insurance | 227.58 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505158152 |  | Monthly Taxes | 660.65 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505158513 |  | P&I | XXXX | 0.00 | blank data tape |
| 2505158513 |  | PITIA | XXXX | 0.00 | blank data tape |
| 2505158513 |  | Monthly Insurance | 102.75 | 0.00 | blank data tape |
| 2505158513 |  | Monthly Taxes | 386.37 | 0.00 | blank data tape |
| 2505158239 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505158239 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505158239 |  | Monthly Insurance | 1111.50 | 0.00 | Blank data tape |
| 2505158239 |  | Monthly Taxes | 2527.25 | 0.00 | blank data tape |
| 2504155874 |  | P&I | XXXX | XXXX | P&I is XXXX per note in file |
| 2503149420 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of HOA fees |
| 2505156845 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505156845 |  | Monthly Insurance | 30.58 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505156845 |  | Monthly Taxes | 115.10 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505157144 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505157144 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505157144 |  | Monthly Insurance | 67.38 | 0.00 | Blank data tape |
| 2505157144 |  | Monthly Taxes | 269.75 | 0.00 | Blank data tape |
| 2506159983 |  | Closing Date | XXXX | XXXX | Closing date is XXXX per note in file |
| 2506159983 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2506159983 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2506159983 |  | Monthly Insurance | 71.75 | 0.00 | blank data tape |
| 2506159983 |  | Monthly Taxes | 31.36 | 0.00 | Blank data tape |
| 2504155303 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of HOA fees |
| 2504155303 |  | Qualifying FICO | 665 | 647 | Fico is 665 |
| 2505158615 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158615 |  | Monthly Insurance | 233.44 | 0.00 | Blank data tape |
| 2505158615 |  | Monthly Taxes | 563.71 | 0.00 | Blank data tape |
| 2505158616 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158616 |  | Monthly Insurance | 233.79 | 0.00 | Blank data tape |
| 2505158616 |  | Monthly Taxes | 528.63 | 0.00 | Blank data tape |
| 2506159304 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of taxes and insurance |
| 2506159304 |  | Monthly Insurance | 292.70 | 0.00 | Blank data tape |
| 2506159304 |  | Monthly Taxes | 696.51 | 0.00 | Blank data tape |
| 2504155534 |  | P&I | XXXX | XXXX | P&I is $XXXX per Note in file |
| 2505157659 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505157659 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505157659 |  | Monthly Insurance | 116.67 | 0.00 | Blank data tape |
| 2505157659 |  | Monthly Taxes | 289.24 | 0.00 | Blank data tape |
| 2505157733 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505157733 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505157733 |  | Monthly Insurance | 167.33 | 0.00 | Blank data tape |
| 2505157733 |  | Monthly Taxes | 115.06 | 0.00 | Blank data tape |
| 2505158210 |  | Monthly Insurance | 360.08 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505158210 |  | Monthly Taxes | 87.32 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2506159297 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2506159297 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2506159297 |  | Monthly Insurance | 171.30 | 0.00 | Blank data tape |
| 2506159297 |  | Monthly Taxes | 794.62 | 0.00 | Blank data tape |
| 2504153391 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2504153391 |  | Monthly Insurance | 99.56 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2504153391 |  | Monthly Taxes | 465.59 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2504155414 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2504155414 |  | Monthly Insurance | 358.25 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2504155414 |  | Monthly Taxes | 719.63 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505158281 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158281 |  | Monthly Insurance | 204.25 | 0.00 | Blank data tape |
| 2505158281 |  | Monthly Taxes | 236.08 | 0.00 | Blank data tape |
| 2505158372 |  | As-Is Value | XXXX | XXXX | As-is value is $XXXX per Appraisal in file |
| 2505158837 |  | Interest Only Term | 0 | 120 | Blank data tape |
| 2505158837 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505158837 |  | PITIA | XXXX | 0.00 | PITIA is $XXXX |
| 2505158837 |  | Monthly Insurance | 99.59 | 0.00 | Blank data tape |
| 2505158837 |  | Monthly Taxes | 299.99 | 0.00 | Blank data tape |
| 2506159889 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2506159889 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2506159889 |  | Monthly Insurance | 95.50 | 0.00 | Blank data tape |
| 2506159889 |  | Monthly Taxes | 126.36 | 0.00 | Blank data tape |
| 2506159945 |  | P&I | XXXX | XXXX | P&I is $XXXX per Note in file |
| 2506159945 |  | Monthly Taxes |  | 139.83 | Monthly taxes are $342.05 |
| 2505158769 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505158769 |  | Monthly Insurance | 89.75 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2505158769 |  | Monthly Taxes | 3.34 | 0.00 | Monthly insurance and taxes must be reported even if there are no escrows present |
| 2506159623 |  | Loan Amount | XXXX | XXXX | Loan amount $XXXX per note in file |
| 2506159623 |  | P&I | XXXX | XXXX | P&I is $XXXX |
| 2506159623 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505157598 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2505157598 |  | Monthly Insurance | 83.17 | 81.92 | Insurance is 83.17 per insurance in file |
| 2504153866 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2504153866 |  | Monthly Taxes | 331.38 | 398.28 | Monthly taxes is $331.38 per file |
| 2505158726 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2505158726 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2505158726 |  | Monthly Insurance | 127.42 | 0.00 | Blank data tape |
| 2505158726 |  | Monthly Taxes | 188.99 | 0.00 | Blank data tape |
| 2505157323 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of HOA Fees and Flood Insurance |
| 2505158334 |  | Closing Date | XXXX | XXXX | Note reflects XXXX |
| 2506160163 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2506160163 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2506160163 |  | Monthly Insurance | 158.50 | 0.00 | Blank data tape |
| 2506160163 |  | Monthly Taxes | 159.26 | 0.00 | Blank data tape |
| 2504153823 |  | PITIA | XXXX | XXXX | PITIA is $XXXX inclusive of HOA fees |
| 2504153823 |  | Monthly Insurance | 626.17 | 0.00 | blank data tape |
| 2504153823 |  | Monthly Taxes | 1679.62 | 0.00 | Blank data tape |
| 2506159173 |  | P&I | XXXX | XXXX | P&I is XXXX per note in file |
| 2506159173 |  | PITIA | XXXX | XXXX | PITIA is $XXXX |
| 2506160174 |  | P&I | XXXX | 0.00 | Blank data tape |
| 2506160174 |  | PITIA | XXXX | 0.00 | Blank data tape |
| 2506160174 |  | Monthly Insurance | 126.68 | 0.00 | Blank data tape |
| 2506160174 |  | Monthly Taxes | 115.27 | 0.00 | Blank data tape |
| 2505158655 |  | PITIA | XXXX | XXXX | $XXXX P&I + $450 HOA + $107.52 Insurance + $178 Tax = $XXXX |
| 2505158655 |  | Monthly Insurance | 107.52 | 0.00 | Blank data tape |
| 2505158655 |  | Monthly Taxes | 178.00 | 0.00 | Blank data tape |
| 92300184826 |  | Originator Doc Type | 1YR Full Doc | ALT DOC | Per Loan Approval |
| 92300184826 |  | Total Qualified Assets Available | XXXX | XXXX | Per asset documentation |
| 92300184826 |  | Qualifying Total Reserves Number of Months | 109.19 | 163.89 | Per asset documentation, less IRA account and, housing expense |
| 92300184826 |  | Total Liquid Assets Available For Close | XXXX | XXXX | Per asset documentation, less IRA account |
| 92300184826 |  | Qualifying Total Monthly Liabilities | XXXX | XXXX | Per liability documentation |
| 92300184826 |  | Borrower Appraisal Receipt Date | XXXX | XXXX | Per Appraisal Receipt document |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ALT Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file verifies the appraisal was provided; however, the appraisal is not in file. Guideline section 14.1 General Requirements states XX requires a complete original summary appraisal on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 07/02/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. |  |  | Intent of borrower's occupancy supported | 04/18/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The final 1003 reflects a tax/insurance amount for XXXX of $XXXX. Tax documentation is in file; however, there is no hazard insurance documentation in file for this property. Guideline section 7.2 Debt-To-Income Ratio states the monthly housing expense is comprised of 1. Principal and Interest payments 2. Payments on subordinate financing on the borrower's principal residence (if applicable) 3. Hazard Insurance 4. Flood Insurance (If applicable) 5. Mortgage Insurance (if applicable) 6. Real estate taxes and/or assessments 7. Homeowner's association fees on the borrower's principal residence (if applicable) | XX Response: Uploading email from broker and corrected 1003 to remove any insurance figures. | 04/17/2025 | Property is a commercial/retail building, owned free and clear, and does not carry any insurance. Condition cleared.; Document Uploaded. | 04/18/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | XX Response: Uploading updated ULAW with comp factors. | 04/17/2025 | Lender Exception for vacant property approved by xx.; Document Uploaded. ; One or more issues or defects with the property have been discovered. Upon receipt of the missing appraisal, the following exception was recognized: Subject property is vacant which is ineligible property type on a refinance per Section 9.2 of Lender Guides. | 04/18/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% There is an approved exception in file to match price of 8.25% at Par, 80% LTV; however, no compensating factors are mentioned. The LLPA Price Sheet XXXX reflects a maximum LTV/CLTV of 75% for a Rate/Term Refinance with minimum FICO of 700. | Client provided attached documentation in response. | 04/07/2025 | Exception in the file approved to match price of 8.25% at Par, 80% LTV, waive escrow, 1 yr ppp. Comp Factors- High Fico, DTI loan, Reserves. .; Document Uploaded. | 04/07/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% There is an approved exception in file to match price of 8.25% at Par, 80% LTV; however, no compensating factors are mentioned. The LLPA Price Sheet XXXX reflects a maximum LTV/CLTV of 75% for a Rate/Term Refinance with minimum FICO of 700. | Client provided attached documentation in response. | 04/07/2025 | Exception in the file approved to match price of 8.25% at Par, 80% LTV, waive escrow, 1 yr ppp. Comp Factors- High Fico, DTI loan, Reserves. .; Document Uploaded. | 04/07/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% There is an approved exception in file to match price of 8.25% at Par, 80% LTV; however, no compensating factors are mentioned. The LLPA Price Sheet XXXX reflects a maximum LTV/CLTV of 75% for a Rate/Term Refinance with minimum FICO of 700. | Client provided attached documentation in response. | 04/07/2025 | Exception in the file approved to match price of 8.25% at Par, 80% LTV, waive escrow, 1 yr ppp. Comp Factors- High Fico, DTI loan, Reserves. .; Document Uploaded. | 04/07/2025 | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3508789 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 9.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3510136 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The file does not contain documentation to verify the receipt of rental income for the subject property. Lender to provide documentation to verify the most recent two months rental income for XXXX. Guideline section VI. Rental Income Requirements | XX Response: Uploading corrected 1003 and ULAW removing the rental income from qualification. | 05/12/2025 | ; Document Uploaded. | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 750<br>Qualifying DTI below max allowed. - Calculated DTI of 37.44% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.32 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3510136 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 750<br>Qualifying DTI below max allowed. - Calculated DTI of 37.44% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.32 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3510136 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 750<br>Qualifying DTI below max allowed. - Calculated DTI of 37.44% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.32 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3510485 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 05/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, seller, Real Estate agent & brokerage firm, underwriter and settlement/escrow agent & officer with exclusionary lists. | Client provided attached document in response. ; Client provided attached document in response. | 06/11/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Fraud report provided reflects the Appraiser was not found in the database as a certified appraiser (appears CRA #404 was added to their name in error). Please provide a fraud report correcting the Appraiser's name to confirm they were found in the database as certified. Thank you.; Document Uploaded. | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 721 is greater than Guideline minimum FICO of 660 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 3510485 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 721 is greater than Guideline minimum FICO of 660 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 3510485 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 05/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 721 is greater than Guideline minimum FICO of 660 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2504155948 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 13.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155948 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 13.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155948 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 13.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156264 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien $XXXX The Title coverage is $XXXX which is less than the loan amount of $XXXX. | Document Uploaded. | 06/17/2025 | Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien $XXXX; Title insurance policy with the updated loan amount of $XXXX was received. | 06/18/2025 | Borrower has stable job time - Borrower has 3.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 27.79% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2505156264 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 27.79% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2505156264 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 27.79% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Lender Approval and Final 1008. | Document Uploaded. | 06/05/2025 | Approval/Underwriting Summary is fully present; A 1008 Underwriting and Transmittal Summary was received. | 06/06/2025 | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 06/05/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | 06/06/2025 | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was sent within the 3 days of application or the Privacy Disclosure confirming Cornerstone First Mortgage doesn't have affiliates. | Document Uploaded. | 06/05/2025 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 06/06/2025 | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Lender Income Calculation Worksheet | Document Uploaded. | 06/05/2025 | Lender income worksheet received. | 06/06/2025 | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. |  |  | HPML compliant | 06/03/2025 | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300184523 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 11.8 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2504154187 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 06/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of 23.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.23 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504154187 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 23.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.23 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504154187 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 23.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.23 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2412142538 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Subject is a same lender refinance with new money. The H9 Rescission Model should be used. | Document Uploaded. | 06/16/2025 | Cure package provided to the borrower; Exception downgraded to a 2/b | 06/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 13.12 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 75% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2412142538 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 13.12 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 75% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2412142538 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.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). TILA 130b Cure required: Cure of $175.00 required for added recertification to Final CD on 5/19/25. COC does not indicate when the lender became aware that a recertification was required or requested. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or further explanation as detailed above. | Document Uploaded. | 06/10/2025 | Valid COC provided; exception resolved; Valid COC provided; exception 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 $357.00.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). | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 13.12 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 75% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2412142538 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 13.12 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 75% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2412142538 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 13.12 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 75% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2504156031 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.75% is less than Guideline CLTV of 85%<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 72.75% is less than Guideline LTV of 85%<br>Borrower has stable job time - Borrower has 7.92 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156031 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/04/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the CT nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. Duplicate Finding |  |  | HPML compliant | 06/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.75% is less than Guideline CLTV of 85%<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 72.75% is less than Guideline LTV of 85%<br>Borrower has stable job time - Borrower has 7.92 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156031 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.75% is less than Guideline CLTV of 85%<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 72.75% is less than Guideline LTV of 85%<br>Borrower has stable job time - Borrower has 7.92 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156031 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.75% is less than Guideline CLTV of 85%<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 72.75% is less than Guideline LTV of 85%<br>Borrower has stable job time - Borrower has 7.92 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157324 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 11.43 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157324 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 11.43 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157324 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 11.43 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157324 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 11.43 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504152956 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The bank statement for March of 2024 was not found in the loan file but was included on the Lender income worksheet. | Document Uploaded. | 06/13/2025 | Borrower 1 Business Bank Statements Provided; Business bank statement for March 2024 was received. | 06/13/2025 | Borrower has stable job time - Borrower has 7.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.23% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504152956 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. |  |  | HPML compliant | 06/06/2025 | Borrower has stable job time - Borrower has 7.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.23% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504152956 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.23% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505157521 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/06/2025 | Borrower has stable job time - Borrower has 2.41 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 696 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 26.61% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157521 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.41 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 696 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 26.61% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157521 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.41 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 696 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 26.61% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156010 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects that the Borrowers own their departing address and are keeping it as an investment. The file did not include any information about the PITIA of the departing address. | Document Uploaded. Property is a mobile home. Space rental info was in file. | 06/11/2025 | Property profile report verifies borrowers own mobile home free and clear, rent of $575 applied per the cancelled checks. | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 33.5% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.51 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504156010 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 33.5% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.51 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504156010 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 33.5% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.51 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505156811 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.96% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.34% is less than Guideline LTV of 70%<br>Borrower has stable job time - Borrower has 13.04 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156811 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $205.00.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). TILA 130b Cure Required. Refund in the amount of $205.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $205.00 is due to increase from $520.00 to $725.00 for the appraisal fee. The COC provided is not sufficient. | Document Uploaded. ; Document Uploaded. Please see attached initial CD COC with the corrected wording in the detailed explanation, thank you. | 06/20/2025 | Cure package provided to the borrower; exception downgraded to 2/B; COC indicates the appraisal fee was under disclosed and the broker was to provide a cure however there was no cure found on the final CD. Provide cure package | 06/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.96% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.34% is less than Guideline LTV of 70%<br>Borrower has stable job time - Borrower has 13.04 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156811 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | finding-697 | Compliance | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $20,000.00 or more.The lesser of 8 percent of the total loan amount or $1,000.00 if the total loan amount is less than $20,000.00. Duplicate of HPML |  |  | HPML compliant | 06/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.96% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.34% is less than Guideline LTV of 70%<br>Borrower has stable job time - Borrower has 13.04 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156811 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.96% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.34% is less than Guideline LTV of 70%<br>Borrower has stable job time - Borrower has 13.04 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156302 |  |  | XXXX | XX/XX/2025 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to confirm if the loan is escrowed or not. Final CD doesn't have any escrows and the Initial Escrow Account disclosure wasn't provided. The PCCD dated 06/02/2025 has estimated escrow on page 1 of $569.27, page 4 has escrowed property costs of $6,831.24 with a monthly escrow of $569.27. | Document Uploaded. ; Document Uploaded. | 06/26/2025 | Initial Escrow Account Disclosure is Resolved; The PCCD dated 6/2/2025 shows the property taxes were escrowed, if they were not escrowed a corrected PCCD and LOE are required to resolve | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 658 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 13.32 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2505156302 |  |  | XXXX | XX/XX/2025 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 658 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 13.32 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2505156302 |  |  | XXXX | XX/XX/2025 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 658 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 13.32 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2504153392 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504153392 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504153392 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156722 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of 13.93% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 15.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157901 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/20/2025 | Borrower has stable job time - Borrower has 2.39 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157901 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). TILA 130b Cure Required: Refund in the amount of $90.00. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Zero tolerance violation is due to the increase of the Appraisal Fee. COC and Final CD dated 05/27/25 indicates broker cure of 90 added; however, the credit did not follow through to Final CD. | Document Uploaded. | 06/19/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/20/2025 | Borrower has stable job time - Borrower has 2.39 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157901 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,756.24) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,149.99). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $393.75. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Lender Credit violation is due to the decrease of the Lender Credits from $3149.99 to $2756.24. Please provide a Valid COC or Cure Package. | Document Uploaded. | 06/11/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/12/2025 | Borrower has stable job time - Borrower has 2.39 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157901 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.39 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157901 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.39 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156550 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 06/11/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide an updated Final 1003 with the Borrower's self-employment information. | Document Uploaded. | 06/16/2025 | The Final 1003 is Present; An updated 1003 application with borrower's self-employment information was provided. | 06/17/2025 | Borrower has stable job time - Borrower has 10.43 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 33.18% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505156550 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 10.43 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 33.18% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158127 |  |  | XXXX | XX/XX/2025 | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in XXXX. FEMA Disaster XXXX with individual assistance was declared on XXXX. Additionally, FEMA Disaster XXXX with individual assistance was declared on XXXX. The Appraisal effective date is XXXX which is prior to both FEMA Disasters. A Post Disaster Inspection was not found in the loan file. | Document Uploaded. | 06/18/2025 | Property Inspection Provided.; Disaster Inspection Report received indicates there is no damage to the subject property. | 06/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 646 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 14.47% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.43 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158127 |  |  | XXXX | XX/XX/2025 | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. The subject property is located in XXXX. FEMA Disaster XXXX with individual assistance was declared onXXXX. Additionally, FEMA Disaster XXXX with individual assistance was declared on XXXX. The Appraisal effective date is XXXX which is prior to both FEMA Disasters. A Post Disaster Inspection was not found in the loan file. | Document Uploaded. | 06/18/2025 | FEMA Post Disaster Inspection report was provided.; Disaster Inspection Report received indicates there is no damage to the subject property. | 06/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 646 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 14.47% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.43 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158127 |  |  | XXXX | XX/XX/2025 | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 646 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 14.47% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.43 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505157456 |  |  | XXXX | XX/XX/2025 | XXXX | WI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157456 |  |  | XXXX | XX/XX/2025 | XXXX | WI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157456 |  |  | XXXX | XX/XX/2025 | XXXX | WI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503152553 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | The lender excluded the Borrower's monthly payment of $52 to XXXX and $29 to XXXX. Please provide evidence these debts were paid in full prior to closing or sufficient evidence of the exclusion. | Document Uploaded. Please see attached PCCD that shows the payoffs in which the borrower brought in funds, thank you! | 06/24/2025 |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.36% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 61.36% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 20.42 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2503152553 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.36% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 61.36% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 20.42 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2503152553 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.36% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 61.36% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 20.42 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504155233 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 708 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155233 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 708 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155233 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 708 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155233 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 708 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158870 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 12.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158870 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 12.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158870 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 12.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157210 |  |  | XXXX | XX/XX/2025 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Subject is a same lender refinance with new money. A H9 model should be utilized when new money is involved. | Document Uploaded. | 06/13/2025 | Cure package provided to the borrower | 06/14/2025 | Borrower has stable job time - Borrower has 18.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700 D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2505157210 |  |  | XXXX | XX/XX/2025 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/12/2025 | Borrower has stable job time - Borrower has 18.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700 D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2505157210 |  |  | XXXX | XX/XX/2025 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 18.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700 D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2505157210 |  |  | XXXX | XX/XX/2025 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 18.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700 D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,001.25). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required<br> Refund in the amount of $1001.25<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Lender Credit violation is due to the decrease in Lender Credits on the Final CD and no COC was found in the file explaining the reason.<br> Please provide a Valid COC or Cure Package. | Document Uploaded. | 06/16/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $894.99.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). TILA 130b Cure Required<br> Refund in the amount of $894.99<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Zero tolerance violation is due to the added Discount Points and increase in Broker Fee on the Final CD and no COC was found in the file explaining the reason.<br> Please provide a Valid COC or Cure Package. | Document Uploaded. | 06/16/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156142 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 22.28% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 8.42 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | 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% ($515.00) exceed the comparable charges ($440.00) 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). TILA 130 Cure Required. Refund in the amount of $31.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The 10% tolerance violation in the amount of $31.00 is due to increase from $484.00 to $515.00 for the Mortgage Recording Fee. | Document Uploaded. attached is cure package that also includes the cure from the separate condition | 06/27/2025 | ; Cure package provided to the borrower; exception downgraded to a 2/B | 06/30/2025 | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the closed end 2nd lien requirements. |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations 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. The loan is an HPML and it meets the closed end 2nd lien requirements. |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $XXXX. The disclosed finance charge of $XXXXis not considered accurate because it is understated by more than $100. Cure required: Cure of $375.00 required. The finance charge is $XXXX. The disclosed finance charge of $XXXX is not considered accurate because it is understated by more than $100. The following fees were included in finance charges: Broker fee of $XXXX, Underwriting fee of $1995, Third Party Processing fee of $995, Title Courier fee of $75.00, Title Settlement fee of $675.00, CPL of $25.00, Title Services Fee of $450.00, and Prepaid interest of $3714.90. Please provide a list of fees included in finance charge calculations or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing along with re-opening of rescission. | Document Uploaded. please see attached Cure package. This includes the other cure in the separate condition. This cure is total $406 ($375 + $31) | 06/27/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/30/2025 | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158233 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.12 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505156228 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/15/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing required housing history | Document Uploaded. Bwr owns property free and clear, taxes and insurance uploaded | 06/19/2025 | Housing History Meets Guideline Requirements; Grant deed, evidence of hazard insurance and taxes were received. Documents indicate primary residence is owned free and clear. | 06/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 731 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.32 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505156228 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/15/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM | Document Uploaded. Bwr owns property free and clear, taxes and insurance uploaded | 06/19/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Grant deed, evidence of hazard insurance and taxes were received. Documents indicate primary residence is owned free and clear. | 06/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 731 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.32 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505156228 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/15/2025 | Resolved | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per guidelines limited tradelines is not allowed. Brw only has 1 active tradeline Revolving 57 months. 2 other accounts are paid and closed. | Document Uploaded. ; Document Uploaded. | 06/25/2025 | Tradelines meet Guideline Requirements; Non traditional credit to XXXX provided. ; LOE on tradeline is not clear. Please provide the non traditional tradeline details, history, etc. | 06/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 731 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.32 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505156228 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 731 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.32 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158374 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.19 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158374 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.19 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158374 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 5.19 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157986 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 06/14/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage. Investment property. Hazard policy show rental property but no coverage pg 512. | Document Uploaded. | 06/18/2025 | Rent Loss Coverage Present; Rent loss insurance for the subject property was provided. | 06/20/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 17.02% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 661 is greater than Guideline minimum FICO of 640 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505157986 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 06/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 17.02% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 661 is greater than Guideline minimum FICO of 640 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505157986 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 17.02% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 661 is greater than Guideline minimum FICO of 640 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2503151137 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 5.64 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.26% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503151137 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.64 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.26% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503151137 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.64 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.26% is less than Guideline DTI of 45%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157384 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. Downgraded to Level 1, HPML compliant. |  |  | HPML compliant | 06/18/2025 | Borrower has stable job time - Borrower has 12.41 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157384 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 12.41 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157384 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 12.41 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158192 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.67 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 10.63% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158192 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.67 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 10.63% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157780 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | 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% ($2,278.00) exceed the comparable charges ($1,885.00) 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). TILA 130 Cure Required. Refund in the amount of $204.50; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The 10% tolerance violation in the amount of $204.50 is due to addition of Title Document Processing fee, Title Endorsement Fee, Title Notary Fee, Title Recording Service Fee. The loan file did not contain a valid COC. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/08/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The loan amount change is not valid reason for the addition of the following fees: Title Document Processing fee, Title Endorsement Fee, Title Notary Fee, Title Recording Service Fee.; A lock is not a valid reason for the increase in title fees; provide clarification or a cure package | 07/08/2025 | Borrower has stable job time - Borrower has 20.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 615 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 33.66% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157780 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 07/08/2025 | Borrower has stable job time - Borrower has 20.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 615 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 33.66% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157780 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 07/08/2025 | Borrower has stable job time - Borrower has 20.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 615 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 33.66% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157780 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 20.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 615 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 33.66% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157780 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 20.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 615 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 33.66% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157615 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157615 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157615 |  |  | XXXX | XX/XX/2025 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156796 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. 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. |  |  | HPML compliant | 06/19/2025 | Borrower has stable job time - Borrower has 16.13 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.37% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156796 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 16.13 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.37% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156796 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 16.13 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.37% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511820 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 620<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511820 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 620<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511820 |  |  | XXXX | XX/XX/2025 | XXXX | HI | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 620<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXXX. Provide evidence the borrowers own XXXX., and a deed from XXXX to XXXX. | XX Response: Uploading operating agreement for XXXX and deed from them to the new LLC. | 07/28/2025 | Property Title Issue Resolved; Document Uploaded. ; Document Uploaded. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXXX is a business account, account holder is XXXX. Provide evidence the borrower is owner of XXXX., and a handwritten Letter of Explanation executed by the owner describing the potential impact on the business. GL's 8.19 |  |  | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check XXXX, and XXXX with Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report shows a charge off dated 10/24 with XXXX with a $XXXX balance. Provide evidence of a payment plan with proof of 3 months payments, or proof the account has been paid in full. GL's 4.7 |  |  | Delinquent Credit History Meets Guideline Requirements; Document Uploaded. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject was purchase by XXXX 8/24 for $XXXX. The borrower purchased the subject property less than 12 months ago. Provide a list of improvement from the appraiser to support the use of the appraised value for determining the LTV. GL's 3.22 | XX Response: Uploading updated ULAW with comp factors. | 07/28/2025 | Lender exception approval provided - Ok per XXXX to use current appraisal value w/o list of improvement, comp factors 769 FICO, no mortgage lates reporting, 1.294 DSCR, subject noted to be in C3 condition.; Document Uploaded. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3511392 |  |  | XXXX | XX/XX/2025 | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720 B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2505157728 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 06/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.36% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 16.44 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157728 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 06/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.36% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 16.44 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157728 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.36% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 16.44 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157728 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.36% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 16.44 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157057 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 06/21/2025 | Borrower has stable job time - Borrower has 3.01 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157057 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.01 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157057 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.01 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 06/27/2025 | Borrower 1 Gap Credit Report is not missing. | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 06/27/2025 | Borrower 2 Gap Credit Report is not missing. | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. ; Document Uploaded. | 06/27/2025 | Third Party Fraud Report is provided; Received the fraud report for the borrowers. The following parties have not been searched against the exclusionary lists: XXXX | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 06/24/2025 | Required Affiliated Business Disclosure Documentation Provided; confirmed no affiliates used in the transaction | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Guidelines require Lease Agreement or Proof of Market Rent value for use of Rental income. Please provide lease agreements or market rental value forXXXX, XXXX and XXXX. | Document Uploaded. ; Document Uploaded. | 06/26/2025 | Received the lease agreement and market rent estimate supporting $5610/mo in gross rents for the property at XXXX; Received the lease agreement and market rent estimate supporting $5610/mo in gross rents for the property at XXXX; Received the lease agreements on XXXX and XXXX in addition to documentation on the market rents and 2 months tenant deposits. We are still missing the fully executed lease agreement and evidence the rental amount of $6500/month is at market rate which can be documented through an online source or 1007 for the property located at XXX. This is required per lender guidelines on pg 89 (rental income from a departing residence.) There is a letter of explanation in the file that the borrower did not want to obtain a lease before the subject property was formally approved. The DTI will exceed the thresholds if the $6500/month gross renal income is removed. | 06/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400184350 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 760<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.13 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2504156032 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,008.00.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). TILA 130b cure required:<br> Refund in the amount of $1008<br> Cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc is required. <br> The zero tolerance violation in the amount of $1008 is due to an increase in the loan Discount Pts on the final CD issued 6/17/2025 without a valid reason. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/22/2025 | Valid COC with applicable disclosure provided; exception resolved; Valid COC with applicable disclosure provided; exception resolved; Provide the disclosure dated within 3 business days of the COC. The file only contains a CD dated 6/2/2025 and 6/17/2025; COC provided for review is dated 6/10/2025 for the rate extension, however the CD was issued 6/17/2025 and does not meet the timing requirement. Violation remains. | 07/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 13.17% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 12.85 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156032 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 13.17% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 12.85 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156032 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 13.17% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 12.85 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505159044 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. 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. |  |  | HPML compliant | 06/23/2025 | Borrower has stable job time - Borrower has 2.46 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 624 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.35% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159044 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.46 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 624 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.35% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159044 |  |  | XXXX | XX/XX/2025 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.46 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 624 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.35% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157641 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 7.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157641 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157641 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157930 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 15.31% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157930 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 15.31% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157930 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.77 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 15.31% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504155743 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing Housing history | Document Uploaded. Hi, the Mortgage Payments are on pages 142 - 154 of our package. | 06/26/2025 | Housing History Meets Guideline Requirements | 06/28/2025 | Borrower has stable job time - Borrower has 6.25 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504155743 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM | Document Uploaded. Hi, the Mortgage Payments are on pages 142 - 154 of our package. | 06/26/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 06/28/2025 | Borrower has stable job time - Borrower has 6.25 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504155743 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/25/2025 | Borrower has stable job time - Borrower has 6.25 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2504155743 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.25 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3511935 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.98% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511935 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.98% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3511935 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.98% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158289 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 17.04% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 3.34 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158289 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 17.04% is less than Guideline DTI of 45%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 3.34 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159117 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Downgraded |  |  | HPML compliant | 06/26/2025 | Borrower has stable job time - Borrower has 7.5 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159117 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.5 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159117 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.5 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158000 |  |  | XXXX | XX/XX/2025 | XXXX | NH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | The subject loan was approved using the 12 month bank statement income program. Borrower 1 and Borrower 2 own a business and split their income 50/50.. The Lender used an expense ratio of 30% which is designated for service businesses with 1 employee. The Borrowers business is more of a product business with 2-10 employees which has an expense factor of 60%. Using an expense ratio of 60%, the DTI would exceed the program maximum of 45%. Please provide a letter from the CPA addressing the correct expense ratio for the Borrowers business. Additional conditions may apply after verification of the expense ratio. | Document Uploaded. Hi, per our UW, the Business Narrative in the file shows 1 Fulltime Employee with 30% expense factor. I have attached it here and also highlighted it. | 06/27/2025 |  |  | Borrower has stable job time - Borrower has 2.47 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158000 |  |  | XXXX | XX/XX/2025 | XXXX | NH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/26/2025 | Borrower has stable job time - Borrower has 2.47 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158000 |  |  | XXXX | XX/XX/2025 | XXXX | NH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.47 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505159096 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159096 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159096 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3512111 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. A gift letter is in file from the borrower's spouse for $XXXX, the closing costs. There is no documentation in file to verify the transfer of these funds. Guideline section 8.7 Gift Funds | XX Response: Uploading evidence of transfer of gift funds of $XXXX to the settlement agent. Uploading copy of the XXXX account showing the $XXX wire transfer on 05/27/2025 from XXXX account; XX Response: Uploading gift letter reflecting source of $XXXX gift as XXXX. Gift letter is written for $XXXX. XX Lending is agreeable when the gifts provided are less than the amount on the gift letter, no need for an updated gift letter so long as the gifts are at or below the amount on the gift letter.; Client provided attached document in response. | 07/23/2025 | Asset Record 1 Meets G/L Requirements; Document Uploaded. ; Documents uploaded still does not provide evidence of wire transfer for $XXXX to the settlement agent. Please provide evidence of transfer of gift funds of $XXXX to the settlement agent.; Document Uploaded. ; The uploaded wire document is for $XXX originated from XXXX, Not $XXXX per the gift letter. The Account Details document uploaded is for a XXXX account and Does Not Match the originating bank name on the gift letter. Please provide a copy of the XXXX account showing the $XXXX wire transfer fromXXX account.; Document Uploaded. | 07/24/2025 | Borrower has stable job time C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512111 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements A gift letter is in file from the borrower's wife for $1500, the escrow deposit; however, the file does not contain documentation to evidence the transfer of these funds. Guideline section 8.7 Gift Funds | XX Response: Uploading evidence of transfer of gift funds of $XXXX to the settlement agent. Uploading copy of the XXXX account showing the $XXX wire transfer on 05/27/2025 from XXXX account; XX Response: Uploading EMD gift letter reflecting source of gift as XXXX. Uploading EMD receipt screen shot from Title reflecting 1st EMD issued on 5/27 was returned and 2nd EMD sent 6/6 was completed; Client provided attached document in response. | 07/23/2025 | Asset Record 2 Meets G/L Requirements Or Not Applicable; Document Uploaded. ; Documents uploaded still does not provide evidence of wire transfer for $XXXX to the settlement agent. Please provide evidence of transfer of gift funds of $XXXX to the settlement agent.; Document Uploaded. ; The uploaded wire for $1500 originated fromXXXX. The Account Details document uploaded is for aXXXX account and Does Not Match the originating bank name on the wire document. Please provide a copy of the XXXX account showing the $XXX wire transfer on 05/27/2025 from XXXXs account.; Document Uploaded. | 07/24/2025 | Borrower has stable job time C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512111 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Guidelines allow a minimum loan amount of $100,000; however, the subject transaction loan amount is $XXXX. There is an approved exception to allow this loan amount in file; however, no compensating factors are noted. | Client provided attached document in response. | 07/17/2025 | Lender exception approval provided - \*\*06/16\*\* Ok to proceed with loan amount exception of $xx with 1 pt fee to XX. Comp factors, 717 FICO, no negative credit reporting, full doc with 42% DTI.; Document Uploaded. | 07/18/2025 | Borrower has stable job time C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512111 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512012 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check XXXX with Exclusionary lists. | Client provided attached document(s) in response. | 06/30/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum<br>Borrower has stable job time D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3512012 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements There are 3 gift letters; $XXXX, $XXXX AND $XXXX which total $XXXX. The gift funds deposited into XXXX total $XXXX. Provide an updated gift letter from Brother showing both gifts are for $XXXX. Provide evidence the gift funds totaling $XXXX was deposited into the borrowers account. GL's 8.7 |  | 07/23/2025 | Lender exception approval provided - Ok per XX for VVOE completed after funding and missing $XXXX gift letter with E-Sign Folder ID XXXX. Comp factors borrower still employed with same employer, 757 FICO, B1 25 yrs S/E, 65.66% LTV, subject C3 condition.; Document Uploaded. ; The gift letter uploaded is already in the loan file. Missing gift letter with Envelop ID: XXXX. Please provide.; Document Uploaded. ; After further review the Gift letter for 2nd $XXX gift is Missing. Please provide the actual gift letter, only the Cert of Completion with E-Sign Folder ID ending - XXXX on pg 510 is found in the loan file. Also the check copies on pages 302 and 513 used for gift funds show the word "Loan" in the memo section and funds that require repayment cannot be used as gift funds. Please provide signed LOE for why "Loan" was noted on checks used for gift funds.; - | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum<br>Borrower has stable job time D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3512012 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide a verbal verification of employment ("VVOE") for the co-borrower dated within 72 hours prior to funding for the co-borrower. | XX uploaded documents. | 07/18/2025 | Lender exception approval and VVOE provided - Ok per XXXX for VVOE completed after funding. Comp factors borrower still employed with same employer, 757 FICO, B1 25 yrs S/E, 65.66% LTV, sbuject C3 condition.; Document Uploaded. | 07/18/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum<br>Borrower has stable job time D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3512012 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum<br>Borrower has stable job time D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 3511508 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The subject is a PUD with a HOA fee. Provide the recent HOA bill. | XX uploaded HOA document. | 07/18/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 07/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 713 is greater than Guideline minimum FICO of 660 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 3511508 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 713 is greater than Guideline minimum FICO of 660 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158166 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has 2.3 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158166 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has 2.3 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158166 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.3 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158166 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.3 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 7510699 |  |  | XXXX | XX/XX/2025 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A Gift Letter for $XXXX coming from XXXX is in the file. However, $XXXX was wired to closing from XXXX. Provide an updated gift letter that matches the amount of funds received. Provide evidence the wire was sent from account XXXX per the gift letter. GL's 8.7 | Client provided attached documentation in response. ; XX Response: XX Lending is agreeable when the gifts provided are less than the amount on the gift letter, no need for an updated gift letter so long as the gifts are at or below the amount on the gift letter. If the gifts ended up being larger, then a new gift letter would be needed however, in this case, the loan closed within guidelines and standard practices & procedures | 07/21/2025 | Lender exception approval provided - Ok per XXXX for missing gift letter with correct XXXX account number. Com factors 715 FICO, subject C3 condition, 2.5 Yrs S/E, no lates since starting to establish individual credit in 2021.; Document Uploaded. ; Per the Wire transfer document unable to confirm the wire for $XXXX is from the gift donor's account even though the amount wired is less than stated on the gift letter. Please provide evidence that the $XXXX from the gift donor's account.; . | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 2.46 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 7510699 |  |  | XXXX | XX/XX/2025 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 2.46 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 7510699 |  |  | XXXX | XX/XX/2025 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements 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. |  |  | Compliant | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 2.46 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2505158469 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 38.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158469 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 38.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158469 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | Cleared | 07/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of 38.21% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157287 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.46% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 3.1 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157287 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.46% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 3.1 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157287 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.46% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 3.1 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157103 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/13/2025 | Borrower has stable job time - Borrower has 6.49 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 600 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157103 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,270.00.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). Refund in the amount of $1270.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $1270.00.00 is due to increase from $0 to $1395.00 for the Processing Fee. The fee was added to CD 06/19/2025 which included a $1395.00 cure for the added fee without a COC. The cure on the final CD was reduced to $125.00. The $125 was applied to the $1395.0 which leaves $1,270.00 still in violation. | Document Uploaded. | 07/11/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/13/2025 | Borrower has stable job time - Borrower has 6.49 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 600 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157103 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 6.49 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 600 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505157103 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.49 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 600 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2506159327 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/24/2025 | Borrower has stable job time - Borrower has 20.7 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2506159327 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $194.75.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). TILA 130b Cure Required. Refund in the amount of $194.75; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $194.75 is due to the increase of the transfer taxes fee on the initial CD dated 06/24/2025 without valid COC. | Document Uploaded. ; Document Uploaded. COC for transfer taxes uploaded | 07/23/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Receipt of an invoice from title is not a valid reason for transfer taxes to increase; Cure is required | 07/24/2025 | Borrower has stable job time - Borrower has 20.7 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2506159327 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 20.7 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2506159327 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 20.7 years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2505158694 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. 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. |  |  | HPML compliant | 07/03/2025 | Borrower has stable job time - Borrower has 4.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158694 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158694 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158577 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.49 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.98% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158577 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.49 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.98% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158577 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.49 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.98% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159467 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.68% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159467 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.68% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159467 |  |  | XXXX | XX/XX/2025 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.68% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($76.88) does not exceed or equal the comparable sum of specific and non-specific lender credits ($375.00). 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). TILA 130b Cure Required<br> Refund in the amount of $298.12<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Lender Credit violation is due to the decrease in Lender Credits from $375.00 to $76.88 on the Final CD.<br> Please provide a Valid COC or Cure Package | Document Uploaded. | 07/09/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $131.25.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). TILA 130b Cure Required<br> Refund in the amount of $131.25<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Zero tolerance violation is due to the increase in Discount Points on the Final CD.<br> Please provide a Valid COC or Cure Package | Document Uploaded. | 07/09/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157957 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 663 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 25.16 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505159051 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Borrower has stable job time - Borrower has 7.41 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159051 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.41 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505159051 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.41 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.11% is less than Guideline DTI of 45% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158237 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Borrower has stable job time - Borrower has 13.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158237 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Borrower has stable job time - Borrower has 13.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158237 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 13.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 734 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 22.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506160165 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 24.44% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 3.52 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506160165 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 24.44% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 3.52 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506160165 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 24.44% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 3.52 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159360 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Borrower has stable job time - Borrower has 6.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159360 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Borrower has stable job time - Borrower has 6.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159360 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158891 |  |  | XXXX | XX/XX/2025 | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.06% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158891 |  |  | XXXX | XX/XX/2025 | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.06% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158891 |  |  | XXXX | XX/XX/2025 | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.06% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 2.07 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159583 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.6% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 6.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159583 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.6% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 6.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159583 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.6% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 6.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159203 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.33 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159203 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.33 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159203 |  |  | XXXX | XX/XX/2025 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.33 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156044 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. 1008 in file doesn't appear to include all income in calculation hence why DTI is incorrect at 77.11% Missing updated 1008 at time of review. | Document Uploaded. | 07/10/2025 | Approval/Underwriting Summary is fully present; 1008 and approval provided | 07/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of 32.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.16 years on job. A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2504156044 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6.26.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). Refund in the amount of $6.26; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $6.26 is due to increase from $2525.00 to $2531.26.00 for the Loan Discount Points. There was a loan amount increase, but a COC wasn't provided to determine when the change occurred. A COC is required to determine if the increase was valid. | Document Uploaded. | 07/11/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of 32.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.16 years on job. A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2504156044 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 32.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.16 years on job. A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2505158131 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158131 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158131 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.21 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158457 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Borrower has stable job time - Borrower has 9.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.02% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158457 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 9.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.02% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158457 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 9.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.02% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159184 |  |  | XXXX | XX/XX/2025 | XXXX | TN | ATR/QM: Exempt | Loan Review Complete | 07/09/2025 | Resolved | FPRO0947 | Property | External Obsolescence Present | External obsolescence present. Curable external obsolescence present in file because the laundry room was not complete. Cost to cure is $2,000.00. | The curable external obsolescence is the exterior finishes of the laundry room which has a cost to cure and does not affect the soundness and safety of the subject property. The subject was valued "as-is" with appraisal risk review in file that supports value used. Both units are habitable with no impact on marketability. | 07/10/2025 | External obsolescence meets guidelines.; Client reflects no issues on external obsolescence. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.13% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.42 years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2506159184 |  |  | XXXX | XX/XX/2025 | XXXX | TN | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.13% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.42 years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2506159184 |  |  | XXXX | XX/XX/2025 | XXXX | TN | ATR/QM: Exempt | Loan Review Complete | 07/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.13% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.42 years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2505158975 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing DOT | Document Uploaded. | 07/14/2025 | The Deed of Trust is Present | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.99 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158975 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing Missing PUD. No DOT in file | Document Uploaded. | 07/14/2025 | The PUD Rider is Present or is Not Applicable (Property Type is PUD); DOT provided; DOT provided | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.99 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158975 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.99 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158975 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the CT nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.99 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505158975 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.99 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2505157981 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.12 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 38.83% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.29% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157981 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.12 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 38.83% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.29% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157981 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 6.12 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 38.83% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.29% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503152409 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | Exception for Ownership Seasoning >=6 months, compensating factors are low DTI, great residual income $60K+ per month, great reserves. Exception Approved. Guideline seasoning requirement has not been met. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 12.1% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.92 years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2503152409 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 12.1% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.92 years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2503152409 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 12.1% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.92 years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2503152409 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 620 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 12.1% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.92 years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2506159501 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 18.99 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159501 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 18.99 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159501 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 18.99 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159350 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.12% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159350 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.12% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159350 |  |  | XXXX | XX/XX/2025 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.12% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503151827 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing 442 in file. | page 58-63 in loan package; Special permit was provided for this. | 07/11/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 07/15/2025 | Borrower has stable job time - Borrower has 6.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.26% is less than Guideline DTI of 50% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2503151827 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 07/10/2025 | Borrower has stable job time - Borrower has 6.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.26% is less than Guideline DTI of 50% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2503151827 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/10/2025 | Borrower has stable job time - Borrower has 6.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.26% is less than Guideline DTI of 50% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2503151827 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 6.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 625 is greater than Guideline minimum FICO of 600<br>Qualifying DTI below max allowed. - Calculated DTI of 35.26% is less than Guideline DTI of 50% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2506159791 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 30.11 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159791 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 30.11 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159791 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 30.11 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156729 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 665 is greater than Guideline minimum FICO of 640<br>Qualifying DTI below max allowed. - Calculated DTI of 23.02% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156729 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 665 is greater than Guideline minimum FICO of 640<br>Qualifying DTI below max allowed. - Calculated DTI of 23.02% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156729 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 665 is greater than Guideline minimum FICO of 640<br>Qualifying DTI below max allowed. - Calculated DTI of 23.02% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505156729 |  |  | XXXX | XX/XX/2025 | XXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 665 is greater than Guideline minimum FICO of 640<br>Qualifying DTI below max allowed. - Calculated DTI of 23.02% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.39 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159477 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/14/2025 | Borrower has stable job time - Borrower has 3.64 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159477 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.64 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159477 |  |  | XXXX | XX/XX/2025 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.64 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158983 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 07/14/2025 | Borrower has stable job time - Borrower has 8.06 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158983 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/14/2025 | Borrower has stable job time - Borrower has 8.06 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158983 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 8.06 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158983 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.06 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2506159571 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.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). TILA 130b Cure Required<br> Refund in the amount of $175.00<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> The Zero tolerance violation is due the added Appraisal 1007 Fee on the CD dated 6.20.2025 and no COC was found explaining the reason for the added fee.<br> Please provide a Valid COC or Cure Package | Document Uploaded. | 07/17/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 6.14 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2506159571 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 6.14 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2506159571 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 6.14 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2504156050 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.03% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.29 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156050 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.03% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.29 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2504156050 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.03% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 3.29 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158948 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. 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. |  |  | HPML compliant | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.68 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158948 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.68 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158948 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.68 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158948 |  |  | XXXX | XX/XX/2025 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.68 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159564 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.63% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159564 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 6.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.63% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159564 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 35.63% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159366 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | Refund in the amount of $187.21; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $187.21 is due to decrease from $1,771.21 to $1,584.00 for the Lender Credit. A COC is required to determine when the change occurred and if it's valid. 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 ($1,584.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,771.21). 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). | Document Uploaded. | 07/18/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/19/2025 | Borrower has stable job time - Borrower has 25.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 753 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2506159366 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 25.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 753 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2506159366 |  |  | XXXX | XX/XX/2025 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 25.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 753 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505157132 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of 5.47% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157132 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the CT nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of 5.47% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157132 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 5.47% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157132 |  |  | XXXX | XX/XX/2025 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 5.47% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158988 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXXX are less than Guideline Required Reserves of $XXXX. Missing asset evidence to support sufficient funds to satisfy cash needed to close and reserve requirement. | Document Uploaded. please see VOD for balance XXXX on 6/27 of XXXX which gives us over $6K , and sufficient reserves. | 07/21/2025 | Audited Reserves of $XXXX are equal to or greater than AUS Required Reserves of $XXXX.; Updated XXXX bank statement provided. assets are sufficient for reserves. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 675 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.28 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158988 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 675 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.28 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158988 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 675 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.28 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2505158988 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 675 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.28 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2506159721 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 656 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159721 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 656 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159721 |  |  | XXXX | XX/XX/2025 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 656 is greater than Guideline minimum FICO of 600 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157776 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 39.09% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.74% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 729 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.74% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157776 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 39.09% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.74% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 729 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.74% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157776 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.09% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.74% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 729 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.74% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505157776 |  |  | XXXX | XX/XX/2025 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.09% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.74% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 729 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.74% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158561 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,452.75.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). Refund in the amount of $1452.75. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. Zero tolerance violation is due to the increase from $475.00 to $1,790.25 for the Discount points and $10,450.00 for the Mortgage Broker fee. A COC is required to determine if this was a valid increase. | Document Uploaded. | 07/24/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.7% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.99 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 667 is greater than Guideline minimum FICO of 600 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158561 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. HPML compliant |  |  | HPML compliant | 07/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.7% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.99 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 667 is greater than Guideline minimum FICO of 600 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158561 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.7% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.99 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 667 is greater than Guideline minimum FICO of 600 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158561 |  |  | XXXX | XX/XX/2025 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.7% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.99 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 667 is greater than Guideline minimum FICO of 600 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2505158624 |  |  | XXXX | XX/XX/2025 | XXXX | OK | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.59 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158624 |  |  | XXXX | XX/XX/2025 | XXXX | OK | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.59 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2505158624 |  |  | XXXX | XX/XX/2025 | XXXX | OK | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.59 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159236 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 23.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159236 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 23.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2506159236 |  |  | XXXX | XX/XX/2025 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 23.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The mortgage statement and tax bill for XXXX are in the file. Provide the Hazard Insurance invoice. | Uploading Hazard Insurance invoice. | 08/06/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 08/06/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% The maximum HLTV for a rate term refinance with a 719 FICO score is 75%. | OK per KG for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in C3 condition | 08/06/2025 | Lender exception approval provided. OK per KG for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in C3 condition | 08/06/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% The maximum LTV for a rate term refinance with a 719 FICO score is 75%. | OK per KG for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in C3 condition | 08/06/2025 | Lender exception approval provided. OK per KG for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in C3 condition | 08/06/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% The maximum CLTV for a rate term refinance with a 719 FICO score is 75%. | Document Uploaded. OK per xx for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in xx condition | 08/06/2025 | Lender exception approval provided. OK per KG for 80% LTV, comp factors, 719 FICO, borr S/E 6+ years, significant reserves after closing, subject in C3 condition | 08/06/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512472 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 3512519 |  |  | XXXX | XX/XX/2025 | XXXX | CT | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Provide a copy of the forbearance agreement forXXXX | Uploading forbearance agreement. | 08/11/2025 | Forbearance agreement provided. | 08/12/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512519 |  |  | XXXX | XX/XX/2025 | XXXX | CT | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512519 |  |  | XXXX | XX/XX/2025 | XXXX | CT | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512604 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements There are no bank statements in the file. Lender to provide all bank statements for asset review. | Uploading bank statements - see other exception. | 08/08/2025 | Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements . | 08/11/2025 | Borrower has stable job time - Resolved per XX request D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512604 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCRE1339 | Credit | Borrower 1 Personal Bank Statements Missing | Borrower 1 Personal Bank Statements Missing Lender qualified borrower using 3 separate businesses. There are no bank statements in the file. Lender to provide all bank statements for income review. | Uploading bank statements; Document Uploaded. | 08/08/2025 | Borrower 1 Personal Bank Statements Provided | 08/11/2025 | Borrower has stable job time - Resolved per XX request D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512604 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Resolved per XX request D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3512604 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Resolved per XX request D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 3513052 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3513052 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 3513052 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2503152190 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 05/14/2025 | Resolved | 2503152190-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503150851 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 2503150851-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504152914 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM Exempt | Loan Review Complete | 05/21/2025 | Resolved | 2504152914-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155069 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/25/2025 | Resolved | 2504155069-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154039 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 05/27/2025 | Resolved | 2504154039-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503149230 |  |  | XXXX | XX/XX/2025 | XXXX | OK | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 2503149230-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158258 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 06/03/2025 | Resolved | 2505158258-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157096 |  |  | XXXX | XX/XX/2025 | XXXX | MS | ATR/QM Exempt | Loan Review Complete | 06/03/2025 | Resolved | 2505157096-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158541 |  |  | XXXX | XX/XX/2025 | XXXX | MO | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 2505158541-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154470 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 9314017097 | Property | Hazard Insurance Missing or Defective | Missing Dwelling Coverage Value in Provided Hazard Insurance. Please Updated Hazard Insurance. | please see attached policy. Per insurance agent, the dwelling coverage is highlighted in RED> | 06/19/2025 | 20250620: Received trailing docs | 06/20/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505156924 |  |  | XXXX | XX/XX/2025 | XXXX | NV | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 2505156924-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157251 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 06/06/2025 | Resolved | 2505157251-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158350 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 06/09/2025 | Resolved | 9337885085 | Credit | Excessive LTV Ratio | 76.85% LTV > 75% limit for Tenant refinance transaction with DSCR <1 | Please review attached matrix | 06/10/2025 | 20250610: Rescind received matrix | 06/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157669 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/11/2025 | Resolved | 2505157669-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157007 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 06/11/2025 | Resolved | 2505157007-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158093 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 06/12/2025 | Resolved | 2505158093-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505156628 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 2505156628-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504152770 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 2504152770-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158152 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 2505158152-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158513 |  |  | XXXX | XX/XX/2025 | XXXX | MN | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 2505158513-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158238 |  |  | XXXX | XX/XX/2025 | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9387858840 | Credit | Title Insurance Missing or Defective | Provided Title Insurance lender is different from the one provided on the note. Please provide updated Title | uploaded | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158239 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 2505158239-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158679 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 2505158679-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155874 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/18/2025 | Resolved | 2504155874-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158104 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM Exempt | Loan Review Complete | 06/18/2025 | Resolved | 2505158104-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157739 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 2505157739-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503149420 |  |  | XXXX | XX/XX/2025 | XXXX | GA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 2503149420-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505156845 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 9421326191 | Credit | Closing Documentation Missing or Defective | Missing Prepayment Addendum | 06/24/2025 - doc uploaded | 06/24/2025 | 20250624: Received trailing doc | 06/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157144 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 2505157144-1 | Property | Ineligible Property – Parcel Issues | Missing tax certificate for the subject property. Annual tax amount was taken from appraisal in file. | Tax cert attached should have been present in file. | 06/20/2025 | 20250623: Received tax cert | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154588 |  |  | XXXX | XX/XX/2025 | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 2504154588-1 | Credit | Excessive LTV Ratio | 80.00% LTV > 70% limit for no ratio program. | 20250723: Rescind | 07/23/2025 | 20250723: Rescind | 07/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157496 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 9420017935 | Credit | Hazard Insurance Missing or Defective | Hazard insurance effective date of 06/xx/2025 is after loan disbursement date of 06/xx/2025. Please provide updated hazard insurance with an effective date of at least 06/18/2025 | 7/17 Please see previous and current policy | 07/17/2025 | 20250718: Received previous policy and current policy | 06/26/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154588 |  |  | XXXX | XX/XX/2025 | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 9419984460 | Credit | Insufficient Assets to Close | $XXXX Assets < $107,476.44 minimum liquidity required. Please provide additional assets. | 7/17- uploaded assets | 07/17/2025 | 20250718: Received assets | 07/18/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157649 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 2505157649-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159983 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM Exempt | Loan Review Complete | 06/23/2025 | Resolved | 2506159983-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155303 |  |  | XXXX | XX/XX/2025 | XXXX | SC | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2504155303-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155462 |  |  | XXXX | XX/XX/2025 | XXXX | LA | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2504155462-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155779 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2504155779-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158616 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2505158616-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158936 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2505158936-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158615 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2505158615-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159304 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 06/24/2025 | Resolved | 2506159304 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155534 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 2504155534-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158521 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 2505158521-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157637 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Acknowledged | 9454181469 | Credit | Insufficient Assets to Close | $XXXX Assets < $7,264.39 minimum liquidity required. Please provide additional assets. | 7/2-Please see exception. | 07/02/2025 | 20250702: Received exception | 07/02/2025 | 0X30x24, FICO 36 points above guideline min B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2505157659 |  |  | XXXX | XX/XX/2025 | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 9454188536 | Credit | Insufficient Assets to Close | $XXXX Assets < $53,393.24 minimum liquidity required. Please provide additional assets. | Assets statenebts attached. | 06/26/2025 | 20250626: Received assets | 06/26/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157733 |  |  | XXXX | XX/XX/2025 | XXXX | LA | ATR/QM Exempt | Loan Review Complete | 06/26/2025 | Resolved | 9464191269 | Credit | Deed Missing or Defective | Missing conveyance Deed from XXXX to XXXX | 6/27: Uploaded Deed | 06/27/2025 | 20250627: Received Deed | 06/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159333 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 06/26/2025 | Resolved | 9471518635 | Credit | Insufficient Assets to Close | &nbsp;&nbsp;&nbsp;&nbsp;$XXXX Assets < $54,128.59 Minimum liquidity required. Please provide additional assets. | 06/30/25 - doc uploaded | 06/30/2025 | 20250630: Received trailing docs | 06/30/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158210 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 06/27/2025 | Resolved | 2505158210-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158889 |  |  | XXXX | XX/XX/2025 | XXXX | MO | ATR/QM Exempt | Loan Review Complete | 06/27/2025 | Resolved | 2505158889-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157411 |  |  | XXXX | XX/XX/2025 | XXXX | NC | ATR/QM Exempt | Loan Review Complete | 07/01/2025 | Resolved | 2505157411-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159297 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 07/01/2025 | Resolved | 2506159297-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153391 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 2504153391-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155414 |  |  | XXXX | XX/XX/2025 | XXXX | RI | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 2504155414-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159323 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9509964982 | Credit | Insufficient Assets for Reserves | $XXXX < $54,495.60 Minimum liquidity required. Please provide additional assets. | Are you including the HELOC | 07/03/2025 | 20250703: Received Assets | 07/03/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158123 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2505158123-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504152801 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2504152801-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158281 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2505158281-1 | Credit | No Findings | The Loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155168 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2504155168-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158372 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2505158372-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155173 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2504155173-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155176 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2504155176-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158525 |  |  | XXXX | XX/XX/2025 | XXXX | IA | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9518270419 | Property | Property Listed for Sale on Refinance Transaction | Subject property is listed for sale. Property listing must be fully removed/withdrawn prior to closing. please provide updated appraisal | 07/10/2025 - doc uploaded | 07/10/2025 | 20250711: Received LOE | 07/11/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159889 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9518745839 | Credit | Insufficient Assets for Reserves | $XXXX < $106,469.89 Minimum liquidity required. Please provide additional assets. | Please see attached asset statement/printout | 07/07/2025 | 20250707: Received assets | 07/07/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158837 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 2505158837-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158254 |  |  | XXXX | XX/XX/2025 | XXXX | WI | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 2505158254-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159945 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 07/08/2025 | Resolved | 2506159945-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158267 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 07/08/2025 | Resolved | 9545895593 | Credit | Deed Missing or Defective | Missing Warranty Deed from XXXX and XXXX to XXXX | 7/9: Uploaded deed | 07/09/2025 | 20250709: Received Deed | 07/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160091 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 2506160091-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160204 |  |  | XXXX | XX/XX/2025 | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554933582 | Credit | Hazard Insurance Missing or Defective | $XXXX Hazard Insurance Coverage < $203,409.60 minimum coverage required. | 07/11/2025 - RCE =$169,963, HOI coverage =$187,348; doc uploaded | 07/11/2025 | 20250711: Received Hazard Insurance | 07/11/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158520 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9556311505 | Credit | Insufficient Assets for Reserves | $XXXX assets < $$102,789.38 minimum assets required for closing costs and reserves. Please provide additional assets. | 7/10-Hi, the borrower did a Cash-Out Refinance on their XXXX. They got $XXXX from that transaction.. | 07/10/2025 | 20250710: Received trailing docs | 07/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158769 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 2505158769-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505156941 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 9564000253 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for the Subject Property :XXXX | 7/11- uploaded hazard insurance | 07/11/2025 | 20250715: Received hazard insurance | 07/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159623 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 9564889580 | Property | Hazard Insurance Missing or Defective | Hazard insurance effective date of 08/xx/2025 is after loan disbursement date of 7/xx/2025. Please provide updated hazard insurance with an effective date of at least 7/7/2025. | 7/25 Previous insurance policy uploaded<br> 7/15 Final settlement statement uploaded | 07/25/2025 | 20250725: Received insurance | 07/16/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157598 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 07/14/2025 | Resolved | 9584605912 | Credit | Excessive LTV Ratio | 75% LTV > 70% limit for vacant cash out refinance. | 7/15 We do not have to follow vacant restrictions on this property due to only 1 unit of the duplex is vacant. | 07/15/2025 | 20250716: Rescind, only 1 unit is vacant in a duplex | 07/16/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159416 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/14/2025 | Resolved | 9586215370 | Credit | Title Insurance Coverage - Inadequate Coverage | Title insurance coverage of $245,000 < $304,987 minimum coverage required. | 7/15-document uploaded. | 07/15/2025 | 20250715: Received title insurance | 07/15/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153866 |  |  | XXXX | XX/XX/2025 | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 07/15/2025 | Resolved | 2504153866-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158069 |  |  | XXXX | XX/XX/2025 | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 07/15/2025 | Resolved | 2505158069-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158726 |  |  | XXXX | XX/XX/2025 | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 07/15/2025 | Resolved | 9595889651 | Credit | Deed Missing or Defective | Missing Conveyance deed from XXXX to XXXX | 7/24 Deed attached | 07/24/2025 | 20250724: Received deed | 07/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158334 |  |  | XXXX | XX/XX/2025 | XXXX | WA | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 9614967147 | Property | Completion Report or 1004D - Missing | Missing Inspection report/1004D for the subject property XXXX | See attached 1004D final inspection report | 07/21/2025 | 20250721: Received 1004D | 07/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157323 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 2505157323-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159864 |  |  | XXXX | XX/XX/2025 | XXXX | VA | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 2506159864-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160163 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 2506160163-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153823 |  |  | XXXX | XX/XX/2025 | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 2504153823-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158591 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 2505158591-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158630 |  |  | XXXX | XX/XX/2025 | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 9623740822 | Property | Completion Report or 1004D - Missing | Missing Inspection report/1004D for the subject property located at: XXXX | The 1004D for the appraisal was to show proof that the security bars were removed from the windows--pictures were provided to remedy. Thank you so much | 07/21/2025 | 20250721: Received 1004D | 07/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160174 |  |  | XXXX | XX/XX/2025 | XXXX | AZ | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 2506160174-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159173 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 2506159173-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158655 |  |  | XXXX | XX/XX/2025 | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 07/28/2025 | Resolved | 2505158655-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158501 |  |  | XXXX | XX/XX/2025 | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 07/31/2025 | Resolved | 9717210266 | Credit | Guarantor Identification Missing or Defective | Missing evidence of legal status. Please provide Visa or Employment Authorization Document. | 8/4 This is an ITIN loan, please see documents attached. | 08/04/2025 | 20250804: Received ID | 08/04/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2502147090 |  |  | XXXX | XX/XX/2025 | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 03/17/2025 | Resolved | 2502147090-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2502146510 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 04/02/2025 | Resolved | 2502146510-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2501145657 |  |  | XXXX | XX/XX/2025 | XXXX | MO | ATR/QM Exempt | Loan Review Complete | 04/07/2025 | Resolved | 2501145657-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153813 |  |  | XXXX | XX/XX/2025 | XXXX | AL | ATR/QM Exempt | Loan Review Complete | 04/11/2025 | Resolved | 2504153813-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503152406 |  |  | XXXX | XX/XX/2025 | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 04/21/2025 | Resolved | 2503152406-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503150867 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 05/08/2025 | Acknowledged | 9060418021 | Credit | Credit Report Missing or Defective | Missing Credit Report for guarantor : XXXX |  | 05/07/2025 | 20250508: Waived. | 05/08/2025 | 739 FICO, 10 months reserves, DSCR above 1 B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2503150867 |  |  | XXXX | XX/XX/2025 | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 04/28/2025 | Resolved | 9023080483 | Credit | Insufficient Assets for Reserves | Audited Reserves of -21.43 month(s) are less than Guideline Required reserves of 3 month(s) | Uploaded | 05/01/2025 | 20250502: Received | 05/02/2025 | D B C A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2504155101 |  |  | XXXX | XX/XX/2025 | XXXX | NC | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 2504155101-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92300184826 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | finding-3542 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | 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. The revised closing disclosure dated 04/23/25 requires a new waiting period and the closing date is 04/25/25. | Document Uploaded. | 05/16/2025 | Finding was resolved based on Revised LE COC provided by client. ; No new waiting period is required; exception resolved; Finding was resolved based on Revised LE COC provided by client. ; No new waiting period is required; exception resolved | 06/18/2025 | Borrower has stable job time - Borrower has 23.58 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 71.67% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 92300184826 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2025 | Borrower has stable job time - Borrower has 23.58 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 71.67% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 92300184826 |  |  | XXXX | XX/XX/2025 | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2025 | Borrower has stable job time - Borrower has 23.58 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 71.67% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 3508789 |  |  | D | A | A | A | A | A D B | A | A | A | A | A B |
| 3510136 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 3510485 |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| 2504155948 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505156264 |  |  | B | A | A | A | A | A B | A | A | A | A | A |
| 92300184523 |  |  | D | B | B | B | B | B A D | A | A | A | A | A |
| 2504154187 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2412142538 |  |  | A | D | D | D | D | D A | B | B | B | B | B A |
| 2504156031 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157324 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2504152956 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2505157521 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2504156010 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2505156811 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2505156302 |  |  | A | B | B | B | B | B A | A | A | A | A | A |
| 2504153392 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505156722 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157901 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2505156550 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2505158127 |  |  | A | A | A | A | A | A D | A | A | A | A | A |
| 2505157456 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2503152553 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2504155233 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158870 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157210 |  |  | A | D | D | D | D | D A | B | B | B | B | B A |
| 2504156142 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2505158233 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2505156228 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2505158374 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157986 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2503151137 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157384 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158192 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157780 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2505157615 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505156796 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 3511820 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 3511392 |  |  | C | A | A | A | A | A C | A | A | A | A | A B |
| 2505157728 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157057 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 92400184350 |  |  | D | B | B | B | B | B A D | A | A | A | A | A |
| 2504156032 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2505159044 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157641 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157930 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2504155743 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 3511935 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158289 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505159117 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158000 |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| 2505159096 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 3512111 |  |  | C | A | A | A | A | A C B | A | A | A | A | A B |
| 3512012 |  |  | D | A | A | A | A | A D B | A | A | A | A | A B |
| 3511508 |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| 2505158166 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 7510699 |  |  | C | A | A | A | A | A C B | A | A | A | A | A B |
| 2505158469 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157287 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157103 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2506159327 |  |  | A | C | C | C | C | C A | B | B | B | B | B A |
| 2505158694 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158577 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159467 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157957 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2505159051 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158237 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506160165 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159360 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158891 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159583 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159203 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2504156044 |  |  | B | C | C | C | C | C A | A | A | A | A | A |
| 2505158131 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158457 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159184 |  |  | A | A | A | A | A | A B | A | A | A | A | A |
| 2505158975 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 2505157981 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2503152409 |  |  | D | A | A | A | A | A D B | A | A | A | A | A B |
| 2506159501 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159350 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2503151827 |  |  | A | A | A | A | A | A C | A | A | A | A | A |
| 2506159791 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505156729 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159477 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158983 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2506159571 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2504156050 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158948 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159564 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159366 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2505157132 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158988 |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| 2506159721 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505157776 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2505158561 |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| 2505158624 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2506159236 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 3512472 |  |  | C | A | A | A | A | A C B | A | A | A | A | A B |
| 3512519 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 3512604 |  |  | D | A | A | A | A | A D | A | A | A | A | A |
| 3513052 |  |  | A | A | A | A | A | A | A | A | A | A | A |
| 2503152190 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503150851 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504152914 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154039 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155069 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503149230 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157096 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158258 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158541 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154470 |  |  | A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505156924 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157251 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158350 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505157007 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157669 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158093 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505156628 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504152770 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158152 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158513 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158238 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505158239 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158679 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155874 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158104 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503149420 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157739 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504154588 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505156845 |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2505157496 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505157649 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157144 |  |  | A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506159983 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155303 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155462 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155779 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158615 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158616 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158936 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159304 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155534 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157637 |  |  | C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2505157659 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505158521 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157733 |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506159333 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505158210 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158889 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505157411 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159297 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153391 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155414 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159323 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2504152801 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155168 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155173 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504155176 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158123 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158281 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158372 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158525 |  |  | A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505158837 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159889 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505158254 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158267 |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506159945 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158769 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158520 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2506160091 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160204 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505156941 |  |  | A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506159623 |  |  | A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2505157598 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2506159416 |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2504153866 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158069 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158726 |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2505157323 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506159864 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158334 |  |  | A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506160163 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153823 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158591 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158630 |  |  | A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2506159173 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2506160174 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158655 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2505158501 |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2502147090 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2502146510 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2501145657 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2504153813 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503152406 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2503150867 |  |  | D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2504155101 |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92300184826 |  |  | A | C | C | C | C | C A | A | A | A | A | A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 3508789 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Excellent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3510136 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 72.0 | 72.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3510485 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Springhouse | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2504155948 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505156264 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 92300184523 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2504154187 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2412142538 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 60.36 | 60.36 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2504156031 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 72.75 | 72.75 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2505157324 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2504152956 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2505157521 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2504156010 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505156811 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 45.34 | 45.34 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505156302 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 69.73 | 69.73 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Excellent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2504153392 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2505156722 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157901 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505156550 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158127 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2505157456 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2503152553 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 61.36 | 61.36 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2504155233 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158870 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 72.07 | 72.07 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157210 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2504156142 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 77.35 | 77.35 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2505158233 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 84.98 | 84.98 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505156228 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated analytics | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2505158374 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 89.9 | 89.9 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2505157986 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2503151137 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2505157384 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 79.25 | 79.25 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158192 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157780 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157615 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2505156796 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3511820 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 53.1 | 53.1 | XXXX | XXXX | -.0265 | Desk Review |  |  |  |  | XXXX | XXXX | .0177 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0265 | Springhouse | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3511392 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2505157728 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2505157057 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 92400184350 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2504156032 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2505159044 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2505157641 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 84.99 | 84.99 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 2505157930 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Excellent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2504155743 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics (CCA) | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 3511935 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 74.91 | 74.91 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | SteWart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158289 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505159117 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2505158000 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2505159096 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3512111 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3512012 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 65.66 | 65.66 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3511508 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 74.52 | 74.52 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158166 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 7510699 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2505158469 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505157287 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2505157103 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2506159327 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158694 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2505158577 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 68.83 | 68.83 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2506159467 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2505157957 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505159051 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158237 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2506160165 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2506159360 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 84.99 | 84.99 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2505158891 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2506159583 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2506159203 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2504156044 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2505158131 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2505158457 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159184 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158975 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157981 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 69.29 | 69.29 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2503152409 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2506159501 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159350 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2503151827 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2506159791 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2505156729 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2506159477 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Excellent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2505158983 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159571 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 2504156050 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2505158948 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 64.37 | 64.37 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2506159564 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159366 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157132 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 50.57 | 50.57 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158988 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Collateral Analysis | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2506159721 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2505157776 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 52.74 | 52.74 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158561 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 73.33 | 73.33 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2505158624 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2506159236 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 79.99 | 79.99 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3512472 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3512519 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3512604 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 3513052 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2503152190 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2503150851 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 54.5 | 54.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2504152914 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1100000 | 0 | .0000 |  | 05-07-2025 1004D |  |  | Eligible | 1.1 |  |
| 2504154039 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 150000 | 0 | .0000 |  | 05-07-2025 1004D |  |  | Eligible | 1 |  |
| 2504155069 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2503149230 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 421000 | 0 | .0000 |  | 05-06-2025 1004D |  |  | Eligible | 1 |  |
| 2505157096 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158258 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2505158541 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2504154470 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 71A | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2500000 | 50000 | 2.04 |  | 05-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505156924 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505157251 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2505158350 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 76.9 | 76.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157007 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505157669 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158093 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 76.0 | 76.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505156628 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2504152770 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2505158152 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158513 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158238 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158239 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.677 | Clear Capital | High Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2505158679 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2504155874 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 77.7 | 77.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2505158104 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2503149420 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1073 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 2505157739 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2504154588 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505156845 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 62.8 | 62.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505157496 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 47.1 | 47.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2505157649 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2505157144 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159983 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2504155303 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2504155462 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2504155779 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158615 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 68.3 | 68.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.611 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2505158616 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 67.8 | 67.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.936 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158936 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2506159304 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 73.4 | 73.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.522 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2504155534 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 61.8 | 61.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2505157637 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 76.8 | 76.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2505157659 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 64.5 | 64.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158521 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 383000 | 0 | .0000 |  | 06-06-2025 1004D |  |  | Eligible | 2.3 |  |
| 2505157733 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2506159333 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2505158210 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Appraisal Review Company |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158889 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible |  |  |
| 2505157411 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 74.9 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2506159297 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2504153391 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible | 2.8 |  |
| 2504155414 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 68.4 | 68.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Appraisal Review Company | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2506159323 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2504152801 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.401 | Appraisal Review Company | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2504155168 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible | 3.5 |  |
| 2504155173 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2504155176 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Consolidated Analytics |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158123 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 68.5 | 68.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2505158281 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible | 3 |  |
| 2505158372 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158525 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158837 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159889 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158254 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible |  |  |
| 2505158267 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2506159945 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505158769 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2505158520 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible |  |  |
| 2506160091 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 60.3 | 60.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2506160204 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505156941 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 64.7 | 64.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.144 | Stewart Valuation Intelligence | High Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2506159623 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 71.8 | 71.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Low Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2505157598 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible |  |  |
| 2506159416 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2504153866 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2505158069 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 49.0 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2505158726 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2505157323 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1073 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2506159864 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 72.0 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 363000 | 0 | .0000 |  | 07-07-2025 1004D |  |  | Eligible | 1 |  |
| 2505158334 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Eligible | 1.3 |  |
| 2506160163 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2504153823 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 49.4 | 49.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2505158591 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 495000 | 0 | .0000 |  | 07-08-2025 1004D |  |  | Eligible | 1 |  |
| 2505158630 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 78.7 | 78.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 |  | XXXX 1004D |  |  | Not Eligible |  |  |
| 2506159173 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2506160174 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 69.5 | 69.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2505158655 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1073 | XXXX | 68.9 | 68.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2505158501 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2502147090 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2502146510 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2501145657 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 79.9 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2504153813 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | ClearCapital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2503152406 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2503150867 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Form 1025 | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Stewart Valuation Intelligence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2504155101 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | URAR Form 1004 Form 70 | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92300184826 |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 71.67 | 71.67 | XXXX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | Nuquest | Adequate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**NARRATIVE**

**PRPM 2025-NQM5**

**By Canopy Financial Technology Partners LLC on October 28, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

<u> </u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex99-3_001.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 PRP VI AIV Holdings, LLC (the "Client") or its affiliated company. The Review was conducted from March to August 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one hundred twelve (112) Loans with an aggregate principal balance of $58,122,571.

**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); Fitch and DBRS.

**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;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &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;Cash Disbursement Date | &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 |
| &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;Index | &nbsp;&nbsp;No tolerance |

---

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

![](ex99-3_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &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;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &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 |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &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 (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

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

![](ex99-3_001.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;

· 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.

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

![](ex99-3_001.jpg)

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:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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;

· 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

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

![](ex99-3_001.jpg)

· 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 (when applicable)**

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.]).

**"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.

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

![](ex99-3_001.jpg)

**"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;

(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);

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

![](ex99-3_001.jpg)

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;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;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;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;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;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;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;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;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;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;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;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 4.0");

&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;

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

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

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· 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.

· 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.

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&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245,
Chapter 2006-33 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

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

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas
Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**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.

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**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.

**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.

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**Independent Third-Party Values**

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 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.**

**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** |
| **A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| **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. |
| **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. |
| **D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &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;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;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;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** |  | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**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;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;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;The loan violates one material law or regulation. The material disclosures are absent, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** |  | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event 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** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 78.57% (88 loans) have an overall grade of "A" and 21.43% (24 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 79.46% or eighty-nine (89) mortgage loans reviewed, and 20.54% (23 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00% or one hundred twelve (112) mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 90.18% or one hundred one (101) mortgage loans reviewed, and 9.82% (11 loans) have a Property/Valuation grade of "B".

**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;88 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;21.43% |
| &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;**112** | &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;89 | &nbsp;&nbsp;79.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;20.54% |
| &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;**112** | &nbsp;&nbsp;**100.00%** |

---

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

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| | | |
|:---|:---|:---|
| &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;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &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;101 | &nbsp;&nbsp;90.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.82% |
| &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;**112** | &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;110 | &nbsp;&nbsp;98.21% | &nbsp;&nbsp;$56800671.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$1321900.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58122571.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$58122571.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58122571.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &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<br> loans other than loans secured by real<br> estate | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$2232500.00 |
| &nbsp;&nbsp;Cash Out: Home<br> Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$616300.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-<br> Purpose/Unknown Purpose | &nbsp;&nbsp;40 | &nbsp;&nbsp;35.71% | &nbsp;&nbsp;$19492660.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;16.96% | &nbsp;&nbsp;$11819920.00 |

---

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

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; Other Than First Time Home<br> Purchase | &nbsp;&nbsp;37 | &nbsp;&nbsp;33.04% | &nbsp;&nbsp;$18151441.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.82% | &nbsp;&nbsp;$5809750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58122571.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &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;111 | &nbsp;&nbsp;99.11% | &nbsp;&nbsp;$57372571.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;$750000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58122571.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;54 | &nbsp;&nbsp;48.21% | &nbsp;&nbsp;$34034011.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$3040000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;56 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$21048560.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**112** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58122571.00** |

---

**DATA COMPARISON RESULTS**

Of the one hundred twelve (112) mortgage Loan Files reviewed, twenty-eight (28) unique loans (25.00% by number) had thirty-two (32) tape comparison discrepancies across six (6) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**%** **<br> Variance** |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;112 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;112 | &nbsp;&nbsp;8.93% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;12 | &nbsp;&nbsp;112 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.89% |
| &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;4 | &nbsp;&nbsp;112 | &nbsp;&nbsp;3.57% |

---

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

![](ex99-3_001.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 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 2025020005 |  |  | xx-xx-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 | 7763.91 | N/A | Employed |  | No |  | Yes | Present |
| 82503460 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 16285 | 9.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 28461.63 | Yes | Employed |  | No |  | No |  |
| 2025030179 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82503392 |  |  | xx-xx-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 | No | 9050 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 42778.96 | N/A | Employed |  | No |  | No |  |
| 82503149 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504181 |  |  | xx-xx-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 | No | 18595 | 7.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31072.76 | N/A | Employed |  | No |  | No |  |
| 1081021176 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7155 | 9.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5157.43 | N/A | Employed |  | No |  | No |  |
| 82504378 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82503470 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 1081021192 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 1081021423 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 11100009761 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| D014266 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504199 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 18986 | 7.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11307.23 | Yes | Employed |  | No |  | No |  |
| 1081020825 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 1081021291 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| HLC2504866 |  |  | xx-xx-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 | 3094264.32 | N/A | Employed |  | No |  | Yes | Present |
| HLC2504864 |  |  | xx-xx-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 | 3094483.77 | N/A | Employed |  | No |  | Yes | Present |
| 82503473 |  |  | xx-xx-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 | No | 17795 | 8.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38905.34 | Yes | Employed |  | No |  | No |  |
| 82504042 |  |  | xx-xx-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 | 17067.5 | Yes | Employed |  | No |  | Yes | Present |
| 82504054 |  |  | xx-xx-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 | 15225.21 | N/A | Employed |  | No |  | Yes | Present |
| 82504332 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 37692.24 | 9.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57235.13 | Yes | Employed |  | No |  | No |  |
| 82504103 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 11100009619 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7576.25 | 8.531 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 5153.27 | N/A | Employed |  | No |  | No |  |
| 1081021075 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 220250417635 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 21249.42 | 10.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 75886.4 | N/A | Employed |  | No |  | No |  |
| 82504397 |  |  | xx-xx-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 | 6876.22 | N/A | Employed |  | No |  | Yes | Present |
| 82504256 |  |  | xx-xx-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 | No | 12599.5 | 8.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16752.55 | Yes | Employed |  | No |  | No |  |
| 25272794 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 11100009901 |  |  | xx-xx-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 | No | 13615 | 8.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20120.63 | N/A | Employed |  | No |  | No |  |
| 11100009946 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504194 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 11951.64 | 9.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15669.37 | N/A | Employed |  | No |  | No |  |
| 82504411 |  |  | xx-xx-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 | No | 7625 | 7.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7964.49 | N/A | Employed |  | No |  | No |  |
| 11100009796 |  |  | xx-xx-xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 421236.32 | N/A | Employed |  | No |  | Yes | Present |
| D014482 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 101250413009 | xxx |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 2025030186 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 1081021445 |  | xxx | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 2485 | 8.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35106.52 | N/A | Employed |  | No |  | No |  |
| 82504540 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11498.62 | 10.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16149.98 | N/A | Employed |  | No |  | No |  |
| 82504556 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 17670 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12358.87 | N/A | Employed |  | No |  | No |  |
| 82503526 |  |  | xx-xx-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 | No | 23010.2 | 7.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29011.42 | N/A | Employed |  | No |  | No |  |
| 411250420205 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504554 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12695.2 | 7.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6310.81 | N/A | Employed |  | No |  | No |  |
| 82504580 |  |  | xx-xx-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 | 46015.92 | Yes | Employed |  | No |  | Yes | Present |
| 82504581 |  |  | xx-xx-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 | 44798.92 | N/A | Employed |  | No |  | Yes | Present |
| 82503574 |  |  | xx-xx-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 | No | 5252.35 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11132.07 | Yes | Employed | Not Employed | No | No | No |  |
| 82504638 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 5507.5 | 8.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8171.7 | N/A | Employed |  | No |  | No |  |
| 82505158 |  |  | xx-xx-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 | No | 7487.5 | 7.941 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 9554.07 | N/A | Employed |  | No |  | No |  |
| 82504464 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 10700 | 8.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45719.65 | N/A | Not Employed | Employed | No | No | No |  |
| 82504523 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504525 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504346 |  |  | xx-xx-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 | No | 6945 | 8.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10368.64 | Yes | Employed |  | No |  | No |  |
| 11100009690 |  |  | xx-xx-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 | No | 12495 | 7.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10171.07 | N/A | Employed |  | No |  | No |  |
| 11100009886 |  |  | xx-xx-xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 11100009817 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 62501055 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8121.25 | 10.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14500.82 | N/A | Employed |  | No |  | No |  |
| 82503585 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 82504677 |  |  | xx-xx-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 | 18368.97 | N/A | Employed |  | No |  | Yes | Present |
| 82504683 |  |  | xx-xx-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 | 17378.26 | N/A | Employed |  | No |  | Yes | Present |
| 82504596 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 23034 | 8.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22008.02 | N/A | Employed |  | No |  | No |  |
| 82505099 |  |  | xx-xx-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 | No | 16795 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17489.52 | N/A | Employed |  | No |  | No |  |
| W003155 |  |  | xx-xx-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 | 53853.92 | N/A | Employed |  | No |  | Yes | Present |
| 217250316059 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 6673.44 | 9.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2178.4 | Yes | Employed |  | No |  | No |  |
| 82504101 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 11100009887 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12257.16 | 10.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5122.59 | N/A | Employed |  | No |  | No |  |
| 11100009852 |  |  | xx-xx-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 | No | 9436.6 | 8.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8549.05 | N/A | Employed |  | No |  | No |  |
| 1081021492 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 12780 | 8.419 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 18574.64 | N/A | Employed |  | No |  | No |  |
| 11100010163 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | Yes | No | No | No | Yes | 24369.4 | 8.031 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34821.66 | Yes | Employed | Employed | No | No | No |  |
| 11100009818 |  |  | xx-xx-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 | Yes | N/A | N/A | N/A | N/A | 23607.46 | N/A | Employed |  | No |  | Yes | Present |
| 1081021665 |  |  | xx-xx-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 | Yes | No | No | No | No | No | 23095 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65461.69 | Yes | Employed |  | No |  | No |  |
| 11100009856 |  |  | xx-xx-xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | 33289.87 | N/A | Employed |  | No |  | Yes | Present |
| 11100010175 |  |  | xx-xx-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 | Yes | 12995 | 7.855 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 48688.71 | N/A | Employed |  | No |  | No |  |
| JET25030159 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 11762.5 | 9.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4787.79 | N/A | Employed |  | No |  | No |  |
| JET25040280 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7061.88 | 8.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24658.59 | N/A | Employed |  | No |  | No |  |
| JET25040628 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7982.5 | 8.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3250.39 | N/A | Employed | Employed | No | No | No |  |
| 11100009900 |  |  | xx-xx-xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35384.39 | N/A | Employed |  | No |  | Yes | Present |
| W003170 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 8969.4 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3199.57 | N/A | Employed |  | No |  | No |  |
| 11100010115 |  |  | xx-xx-xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| W003206 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8509.06 | 8.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5026.96 | N/A | Employed |  | No |  | No |  |
| D014332 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 4191250520830 |  |  | xx-xx-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 | No | 26578.4 | 8.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24510.88 | N/A | Employed |  | No |  | No |  |
| 2025050059 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 41849.38 | 8.786 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 24388.49 | N/A | Employed | Unknown | No | No | No |  |
| VIS2504938 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 1081022007 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 28549 | 8.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18304.32 | Yes | Employed |  | No |  | No |  |
| 2025030182 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 15990 | 10.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7688.39 | Yes | Employed |  | No |  | No |  |
| 11100010103 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| WMD2505991 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 18096 | 8.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20155.82 | N/A | Employed |  | No |  | No |  |
| 11100010195 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| D014600 |  |  | xx-xx-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 | 0 | N/A |  |  | No | No | Yes | Present |
| D014760 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 4901250521546 |  |  | xx-xx-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 | No | 9880.8 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25323.45 | N/A | Not Employed | Employed | No | No | No |  |
| 1000102262 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 11100010326 |  |  | xx-xx-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 | No | 16184.2 | 8.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40660.39 | N/A | Employed |  | No |  | No |  |
| 11100009954 |  |  | xx-xx-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 | No | 20632.5 | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 160304.22 | N/A | Employed |  | No |  | No |  |
| 2025050148 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7840 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12241.15 | N/A | Employed |  | No |  | No |  |
| KNS2505X211640 |  |  | xx-xx-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 | No | 4630 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5286.23 | N/A | Employed |  | No |  | No |  |
| 2025050116 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 24313.13 | 7.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9375.09 | Yes | Employed |  | No |  | No |  |
| 2025050163 |  |  | xx-xx-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 | 6673.89 | N/A | Employed |  | No |  | Yes | Present |
| D015269 |  |  | xx-xx-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 | 0 |  |  |  | No | No | Yes | Present |
| 2025040173 |  |  | xx-xx-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 | No | 17535 | 8.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11874.97 | N/A | Employed |  | No |  | No |  |
| 2025050141 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 16840 | 10.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10273.39 | N/A | Employed |  | No |  | No |  |
| 2025050156 |  |  | xx-xx-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 | 17940.56 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 11100010165 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 8998.75 | 8.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18292.17 | N/A | Employed |  | No |  | No |  |
| HLC2506187 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6020 | 8.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 5450.18 | N/A | Employed |  | No |  | No |  |
| 2025040128 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 2025060039 |  |  | xx-xx-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 | No | 8615 | 8.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7377.58 | N/A | Employed |  | No |  | No |  |
| 2025060072 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 1081022111 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 2025060025 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 18035 | 7.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6729.91 | Yes | Employed | Employed | No | No | No |  |
| 2025060032 |  |  | xx-xx-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 | No | 9840 | 8.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17886.67 | N/A | Employed |  | No |  | No |  |
| 2025050051 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 87722.5 | 9.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32561.56 | N/A | Employed | Employed | No | No | No |  |
| 2025060119 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 11100010185 |  |  | xx-xx-xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6350 | 8.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19812.09 | Yes | Employed |  | No |  | No |  |
| 2025060169 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |
| 2025070016 |  |  | xx-xx-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 | 0 |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 11100009796 |  |  | Business Purpose Flag | Yes | No |  |
| 11100010163 |  |  | Business Purpose Flag | Yes | No |  |
| 11100009818 |  |  | Business Purpose Flag | Yes | No |  |
| 11100009856 |  |  | Business Purpose Flag | Yes | No |  |
| JET25040628 |  |  | Note Date | xx-xx-xxx | xxx-xx-xx |  |
| 2025020005 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025030179 |  |  | Prepayment Penalty Total Term | 60 | 0 |  |
| 2025030186 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025050059 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025050163 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025050156 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025040128 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025060072 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025060119 |  |  | Prepayment Penalty Total Term | 60 | 0 |  |
| 2025060169 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 2025070016 |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 82503149 |  |  | Property Type | Two to Four Unit | Units |  |
| 11100009761 |  |  | Property Type | Condominium | Single Family Detached |  |
| D014266 |  |  | Property Type | Two to Four Unit | Detached |  |
| 82504103 |  |  | Property Type | Two to Four Unit | Units |  |
| 11100009946 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 101250413009 |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 82504464 |  |  | Property Type | Single Family Detached | PUD |  |
| 11100009886 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 82504101 |  |  | Property Type | 5-10 Unit Multi-Family | Units |  |
| 11100010115 |  |  | Property Type | PUD | Single Family Detached |  |
| D014332 |  |  | Property Type | Two to Four Unit | Detached |  |
| D014760 |  |  | Property Type | Two to Four Unit | Detached |  |
| 2025060072 |  |  | Property Type | Two to Four Unit | Single Family Attached |  |
| 2025030182 |  |  | Property Zip Code | 08723 | 8723 |  |
| 1081021445 | xxx |  | Qualifying Total Debt Income Ratio | 26.83 | 24.52 |  |
| 11100010163 |  |  | Qualifying Total Debt Income Ratio | 46.5 | 44.82 |  |
| JET25040628 |  |  | Qualifying Total Debt Income Ratio | 45.56 | 40.570 |  |
| 2025050059 |  |  | Qualifying Total Debt Income Ratio | 38.98 | 36.739 |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2025020005 |  | B A | Closed | FCRE1193 | 2025-03-14 04:37 | 2025-03-17 15:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 54.58% exceeds Guideline DTI of 43% Current DTI of 49.940% exceeds the max allowed of 43% for FTHB<br> - Due Diligence Vendor-03/14/2025 |  | Waived-Audited DTI of 54.58% exceeds Guideline DTI of 43% Current DTI of 49.940% exceeds the max allowed of 43% for FTHB<br> - Due Diligence Vendor-03/14/2025<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 0.0<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Investment not allowed under program only primary residence. Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Reserves exceed minimum required by 8.03 months.<br> • Borrower exceeds minimum credit score requirement by 108 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 3610356 |
| 2025020005 |  | B A | Closed | FVAL9739 | 2025-03-14 04:39 | 2025-03-17 15:53 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-FTHB is restricted to primary residence only. Occupancy on this transaction is investment - Due Diligence Vendor-03/14/2025 |  | Waived-FTHB is restricted to primary residence only. Occupancy on this transaction is investment - Due Diligence Vendor-03/14/2025<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 0.0<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Investment not allowed under program only primary residence. Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Reserves exceed minimum required by 8.03 months.<br> • Borrower exceeds minimum credit score requirement by 108 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 3610361 |
| 82503460 |  | D A | Closed | FCRE7497 | 2025-04-15 20:01 | 2025-04-18 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (HELOC) Taxes, HOI & HOA documents provided for xxx - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. SRF - no HOA. T & I was in file - Seller-04/18/2025 <br> Open-For the following Property xxx Tax and HOA missing in the file - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. SRF - no HOA. T & I was in file - Seller-04/18/2025<br>| Resolved-Mortgage statement (HELOC) Taxes, HOI & HOA documents provided for xxx - Due Diligence Vendor-04/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.22 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 - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% 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 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.11<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 - 5.76 Years |  | REO - MORTGAGE STATEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA | N/A | N/A | 3874270 |
| 2025030179 |  | B A | Closed | FVAL9739 | 2025-04-17 10:53 | 2025-04-19 16:52 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Appraisal transfer report is 55 days upon loan submission which exceeds the max allowed of 45 days - Due Diligence Vendor-04/17/2025 |  | Waived-Appraisal transfer report is 55 days upon loan submission which exceeds the max allowed of 45 days - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.72 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 - 12 Years | All consumer credit paid as agreed in the most recent 12 months. Borrower exceeds minimum credit score requirement by 52 points. DSCR above 1%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3890061 |
| 2025030179 |  | B A | Closed | FCRE8201 | 2025-04-17 10:56 | 2025-04-19 16:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception to allow boarder income as basis of DSCR calculation. Per appraisal report, property is rented per room (month to month).<br> - Due Diligence Vendor-04/17/2025 |  | Waived-Exception to allow boarder income as basis of DSCR calculation. Per appraisal report, property is rented per room (month to month).<br> - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.72 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 - 12 Years | All consumer credit paid 0x30x12. Borrower exceeds minimum credit score requirement by 52 points. DSCR score above 1%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3890105 |
| 82503392 |  | C A | Closed | finding-3631 | 2025-04-18 14:54 | 2025-04-24 07:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. coc - Seller-04/23/2025 <br> Open-\*\*Revised LE issued xx/xx/xxx disclosed a Collateral Review fee in Section A that remained through the Final CD. The original file does not contain a valid COC in relation to the fee and the disclosed date. - Due Diligence Vendor-04/22/2025 <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-04/18/2025 | Ready for Review-Document Uploaded. coc - Seller-04/23/2025<br>| Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.03<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 - 7.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | changeofcircumstancesnew (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TN | Primary Residence | Purchase | NA | N/A | N/A | 3904658 |
| 82503392 |  | C A | Closed | finding-3632 | 2025-04-18 14:54 | 2025-04-24 07:45 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. coc - Seller-04/23/2025 <br> Open-\*\*Revised LE issued xx/xx/xxx disclosed a Collateral Review fee in Section A that remained through the Final CD. The original file does not contain a valid COC in relation to the fee and the disclosed date. - Due Diligence Vendor-04/22/2025 <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-04/18/2025 | Ready for Review-Document Uploaded. coc - Seller-04/23/2025<br>| Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.03<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 - 7.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | changeofcircumstancesnew (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TN | Primary Residence | Purchase | NA | N/A | N/A | 3904659 |
| 82503392 |  | C A | Closed | finding-3634 | 2025-04-18 14:54 | 2025-04-24 07:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. coc - Seller-04/23/2025 <br> Open-\*\*Revised LE issued xx/xx/xxx disclosed a Collateral Review fee in Section A that remained through the Final CD. The original file does not contain a valid COC in relation to the fee and the disclosed date. - Due Diligence Vendor-04/22/2025 <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 $300.00.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-04/18/2025 | Ready for Review-Document Uploaded. coc - Seller-04/23/2025<br>| Resolved-Valid COC event detail provided - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.03<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 - 7.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | changeofcircumstancesnew (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TN | Primary Residence | Purchase | NA | N/A | N/A | 3904660 |
| 82503149 |  | D B A C | Closed | FPRO9736 | 2025-05-02 09:55 | 2025-05-06 19:38 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Waived-Document Uploaded. Lender exception granted to use lower review product valuation for qualification. - Due Diligence Vendor-05/06/2025 <br> Resolved-Per Guidelines: If the enhanced desk review product reflects a value more than 10% below the appraised value (CDA is >10%) or cannot provide a validation, the file must include either a field review (In File) or a second appraisal. A field review or a second appraisal is acceptable. These may not be from the same appraiser or appraisal company as the original report. (Both Full Appraisal & Field Review are from different appraisers) Value of $xxx used for LTV - Due Diligence Vendor-05/06/2025 <br> Ready for Review-We used CDA value $xxxx - Seller-05/05/2025 <br> Counter-the Desk Review provided has a variance amount of 18.18%. Value does not support Primary Appraised value. Please provide "Updated Desk Review". - Due Diligence Vendor-05/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Desk Review provided has a variance amount of 18.18%. Value does not support Primary Appraised value. Please provide updated Desk Review. - Due Diligence Vendor-05/02/2025 | Ready for Review-We used CDA value $xxx - Seller-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 | Waived-Document Uploaded. Lender exception granted to use lower review product valuation for qualification. - Due Diligence Vendor-05/06/2025 <br> Resolved-Per Guidelines: If the enhanced desk review product reflects a value more than 10% below the appraised value (CDA is >10%) or cannot provide a validation, the file must include either a field review (In File) or a second appraisal. A field review or a second appraisal is acceptable. These may not be from the same appraiser or appraisal company as the original report. (Both Full Appraisal & Field Review are from different appraisers) Value of $xxx used for LTV - Due Diligence Vendor-05/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 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 - 7.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | APPRAISAL REVIEW (1).pdf<br> xxx xxx2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4026640 |
| 82503149 |  | D B A C | Closed | FCRE1814 | 2025-05-01 17:54 | 2025-05-03 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-LLC Docs provided. - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing IRS TIN. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-LLC Docs provided. - Due Diligence Vendor-05/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 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 - 7.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC DOCUMENT OR ENTITY DOCUMENT (9).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (11).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (9).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (10).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (13).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (12).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 4021936 |
| 82503149 |  | D B A C | Closed | FCRE8201 | 2025-04-30 11:04 | 2025-04-30 11:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- over xxx cash out > 65%LTV - Due Diligence Vendor-04/30/2025 |  | Waived- over $xxx cash out > 65%LTV - Due Diligence Vendor-04/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 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 - 7.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | FICO 20+ Points<br> DSCR>1.00(DSCR only) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4004069 |
| 82504181 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | GA | Primary Residence | Purchase | NA |  |  |  |
| 1081021176 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | IN | Primary Residence | Purchase | NA |  |  |  |
| 82504378 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | Cash Out - Other |  |  |  |
| 82503470 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | MA | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1081021192 |  | D A | Closed | FCOM1477 | 2025-05-07 15:31 | 2025-05-11 08:30 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/11/2025 <br>Ready for Review-We dont send rate lock LE out on dscr - Seller-05/08/2025 <br>Open-Evidence of Rate Lock Missing Validate - Due Diligence Vendor-05/07/2025 | Ready for Review-We dont send rate lock LE out on dscr - Seller-05/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | 4074105 |
| 1081021423 |  | D A C | Closed | FCRE1467 | 2025-05-07 21:06 | 2025-05-23 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Chase Savings account ending #xxx with ending balance of $xxx is missing from the file - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-05/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx URLA updated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4077204 |
| 1081021423 |  | D A C | Closed | FPRO1136 | 2025-05-06 17:09 | 2025-05-12 13:56 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. - Seller-05/09/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx 1004D.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4062916 |
| 11100009761 |  | D A | Closed | FVAL1310 | 2025-05-08 04:14 | 2025-05-12 15:11 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Rebut - Site condo. Questionnaire not required. - Buyer-05/10/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/08/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/12/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4078579 |
| D014266 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | WI | Investment | Purchase | NA |  |  |  |
| 82504199 |  | C A | Closed | FPRO1136 | 2025-05-10 14:45 | 2025-05-13 14:07 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D 442 completion cert. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/13/2025<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 0.03<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 - 21.25 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 - 15.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.97% 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 - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 442 FINAL INSPECTION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4106244 |
| 1081020825 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | RI | Investment | Refinance | Cash Out - Other |  |  |  |
| 1081021291 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IL | Investment | Purchase | NA |  |  |  |
| HLC2504866 |  | D A | Closed | FCRE7497 | 2025-05-10 07:42 | 2025-05-20 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO/Property Documents Provided. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Loan file is missing PITIA document of REO. xxx #xxx New mortgage on the property .xxx #xxx also New mortgage and their document is missing in file. Property xxx PITIA document also require. all REO PITIA document is require, two REO is New mortgage open and 1 REO PITIA document is missing. Required all REO PITIA document in file. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-REO/Property Documents Provided. - Due Diligence Vendor-05/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 166.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 0.11 |  | FIRST PAY LETTER 2-1.pdf<br> FIRST PAY LETTER.pdf<br> xxx Mortgage Statement.pdf<br> xxxx - HOI.pdf<br> xxxx - Tax.pdf<br> xxx HOI.pdf<br> xxx - Tax.pdf<br> xxx - Proof of Payment xxx.pdf<br> xxx - Mortgage Statement.pdf<br> xxx - MTg Statemt.pdf<br> xxx Final CD for Tax and HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4104725 |
| HLC2504866 |  | D A | Closed | FCRE2109 | 2025-05-10 06:47 | 2025-05-20 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 166.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 0.11 |  | Income Calculation Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4104520 |
| HLC2504864 |  | D A | Closed | FCRE1316 | 2025-05-10 12:55 | 2025-05-20 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/20/2025<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 - 9.60 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 0.11<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 163.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | CPA Letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4105860 |
| 82503473 |  | D A | Closed | FCRE2109 | 2025-05-12 16:20 | 2025-05-19 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 15.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.68% 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 - 8 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 0.24<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 - 13.36 Years |  | xxx income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Second Home | Purchase | NA | N/A | N/A | 4119673 |
| 82503473 |  | D A | Closed | FCRE1164 | 2025-05-12 16:18 | 2025-05-19 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Missing Flood Insurance Policy Missing Flood policy, page 795 shows paid receipt but no further information - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 15.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.68% 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 - 8 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 0.24<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 - 13.36 Years |  | EXISTING FLOOD INSURANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Second Home | Purchase | NA | N/A | N/A | 4119657 |
| 82504042 |  | D B A | Closed | FCRE2994 | 2025-05-16 14:33 | 2025-05-21 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-New Loan Documents provided. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. loan was paid off through refi - see attached note, payment letter and final CS - Seller-05/20/2025 <br> Open-DTI variance due to lender not including 2nd MTG on xxx REO from 43.183% to 45.32%. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. loan was paid off through refi - see attached note, payment letter and final CS - Seller-05/20/2025<br>| Resolved-New Loan Documents provided. - Due Diligence Vendor-05/21/2025<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 43.47% 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 - 7.84 Years |  | xxx letter.pdf<br> xxx note.pdf<br> fprd CS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4167004 |
| 82504042 |  | D B A | Closed | FCRE7347 | 2025-05-12 05:59 | 2025-05-21 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-New Loan Documents provided for xxx in another Condition. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-lease not needed, the borrower was hit for full PITI - Seller-05/20/2025 <br> Open-Lease Agreement is missing # xxx - Due Diligence Vendor-05/12/2025 | Ready for Review-lease not needed, the borrower was hit for full PITI - Seller-05/20/2025<br>| Resolved-New Loan Documents provided for xxx in another Condition. - Due Diligence Vendor-05/21/2025 | 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 43.47% 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 - 7.84 Years |  | Screenshot 2025-05-21 113753.jpg<br>Screenshot 2025-05-21 114107.jpg | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4109821 |
| 82504042 |  | D B A | Closed | FCRE1194 | 2025-05-16 14:32 | 2025-05-16 14:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception approved to increase LTV to 80% when guide max is 75% for R?T on P&L income. - Due Diligence Vendor-05/16/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception approved to increase LTV to 80% when guide max is 75% for R?T on P&L income. - Due Diligence Vendor-05/16/2025<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 43.47% 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 - 7.84 Years | DTI 5% below max. PITIA reserves above min by 6 months. 5+ years business ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4166993 |
| 82504054 |  | B A | Closed | FCRE1194 | 2025-05-14 19:35 | 2025-05-14 19:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 79.87% exceeds Guideline LTV of 75% Exception approved for 80% LTV when guides allow max of 75%. - Due Diligence Vendor-05/14/2025 |  | Waived-Audited LTV of 79.87% exceeds Guideline LTV of 75% Exception approved for 80% LTV when guides allow max of 75%. - Due Diligence Vendor-05/14/2025<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 0.13<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 - 7.84 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.21 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 40.07% 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 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DTI 5% below max. PITIA reserves above min by 6 months. 5+ years business ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4145280 |
| 82504332 |  | D A | Closed | FCRE1130 | 2025-05-12 15:18 | 2025-05-20 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Missing Mortgage Insurance Certificate. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-05/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.49% 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 - 5.13 Years |  | transmittal_19_pdf (5).pdf<br>1003 - FINAL (3) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4118675 |
| 82504103 |  | D B C A | Closed | FCRE1182 | 2025-05-10 23:58 | 2025-05-21 11:55 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 1008 - FINAL (17).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | N/A | N/A | 4106913 |
| 82504103 |  | D B C A | Closed | FCOM1511 | 2025-05-15 10:24 | 2025-05-21 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. final cs - Seller-05/19/2025 <br>Counter-Apologies for the confusion, Missing Final HUD/SS - Due Diligence Vendor-05/19/2025 <br>Ready for Review-DSCR - no CD required - Seller-05/15/2025 <br>Open-Missing Final Closing disclosure or settlement statement. Only seller statements found. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. final cs - Seller-05/19/2025 <br>Ready for Review-DSCR - no CD required - Seller-05/15/2025<br>|  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | FINAL SETTLEMENT SHEET HUD-1 (7).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | N/A | N/A | 4149701 |
| 82504103 |  | D B C A | Closed | FCRE0340 | 2025-05-15 10:42 | 2025-05-19 09:21 | Resolved | 1 - Information C A | Credit | Borrower | Stated Citizenship is Not Supported and/or Discrepancies present | Resolved-Updated 1003 provided with the correct citizenship listed. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Documentation in file does not support and/or match stated citizenship from 1003. Please provide LOE about citizen status. 1003 says US Citizen but Work Visa found in file implying non US Citizen status (page 345) - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Updated 1003 provided with the correct citizenship listed. - Due Diligence Vendor-05/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Corrected Final 1003 to be sign.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | N/A | N/A | 4149992 |
| 82504103 |  | D B C A | Closed | FCRE1194 | 2025-05-11 00:45 | 2025-05-15 10:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception (page 588) for 80% LTV on 2 unit DSCR > 1.0 <br> AND lender exception 680 credit score limit of 75% - Due Diligence Vendor-05/11/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception (page 588) for 80% LTV on 2 unit DSCR > 1.0 <br> AND lender exception 680 credit score limit of 75% - Due Diligence Vendor-05/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Experienced investor<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | Originator Pre-Close | Yes | 4106994 |
| 11100009619 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 1081021075 |  | D A | Closed | FCRE1467 | 2025-06-02 14:25 | 2025-06-04 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-xxx checking account provided - Due Diligence Vendor-06/04/2025 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open- xxx checking account with $17971.49 used in transaction is missing from the file. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved- xxx checking account provided - Due Diligence Vendor-06/04/2025 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-06/04/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx balance $17971.49.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4302414 |
| 220250417635 |  | D B A | Closed | FCRE1470 | 2025-05-19 16:18 | 2025-06-05 22:13 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Assets | Asset 4 Missing | Waived-Exception granted post closing for reserve shortage. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. exception - Seller-06/05/2025 <br> Counter-Document Uploaded. Guidelines require 9 Months reserves for Loan Amounts 1,000,001 - 1,500,000. CTC $101,969.62 - Verified assets $187,956.91 = Short by -$19,641.53 - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Counter-xxx Account removed (updated 1008 & 1003) - Stull short reserves as stated in recent rebuttal. Verified assets $187,956.91 - CTC $101,969.62 - 9 Months $96,567.84 - Short by -$19,641.53 - Provided a Lenders Approved Exception for Reserves not being met. - Due Diligence Vendor-05/29/2025 <br> Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. The assets have been removed. See updated 1003 and 1008. $xxx from pending sale, $xxx for EMD, xxx account ending in xxx of $5271.66 and xxx account ending in xxx is $76,501.29. Thanks - Buyer-05/27/2025 <br> Counter-Document Uploaded. If the xxx #xxx funds are removed from the total assets then the Loan is short reserves. per Guidelines 9 months is required. Verified assets $187,956.91 - CTC $101,969.62 - 9 Months $96,567.84 - Short by -$19,641.53 - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. see updated 1003 and 1008 removing the funds - Seller-05/20/2025 <br> Open-Asset 4 Missing xxx account #xxx with a balance of $39,001 is missing from the file. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. exception - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Ready for Review-Document Uploaded. see updated 1003 and 1008 removing the funds - Seller-05/20/2025<br>| Waived-Exception granted post closing for reserve shortage. - Due Diligence Vendor-06/06/2025 <br>Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.01<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 - 5.76 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 - 16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Low DTI; over $60k in residual income; strong mortgage payment history; 724 FICO | xxx 1008.pdf<br> xxx1003.pdf<br> Screenshot 2025-05-22 091219.jpg<br> xxx1008.pdf<br> xxx1003.pdf<br> xxx cd from sale of home.pdf<br> xxx lox.pdf<br> Screenshot 2025-06-02 111128.jpg<br> RM - Exception Request Form - xxx (version 3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4183679 |
| 220250417635 |  | D B A | Closed | FCRE5790 | 2025-05-14 15:10 | 2025-05-22 09:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. LQCC dated 5-5-25 - Seller-05/20/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report date is 5/1/2025, closing date is xxx/xx/xxx. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. LQCC dated 5-5-25 - Seller-05/20/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.01<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 - 5.76 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 - 16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx LQCC dated 5-5-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA | N/A | N/A | 4142275 |
| 82504397 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | VA | Investment | Purchase | NA |  |  |  |
| 82504256 |  | C B A | Closed | FCRE1167 | 2025-05-21 17:38 | 2025-05-23 12:23 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/22/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $720300 Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $720,300. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 34.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.33 Are Greater Than The Guideline Minimum Of 6 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 0.01 |  | HOI - COST ESTIMATOR (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4209898 |
| 82504256 |  | C B A | Closed | FVAL9739 | 2025-05-21 17:51 | 2025-05-21 17:51 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception approved for use of appraised value for 12<6 mos from acquisition . - Due Diligence Vendor-05/21/2025 |  | Waived-Exception approved for use of appraised value for 12<6 mos from acquisition . - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 34.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.33 Are Greater Than The Guideline Minimum Of 6 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 0.01 | FICO 20+ points. DTI 5% below max. PITIA reserves above min by 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4209998 |
| 25272794 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NC | Investment | Purchase | NA |  |  |  |
| 11100009901 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CO | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11100009946 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 82504194 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Purchase | NA |  |  |  |
| 82504411 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | MD | Primary Residence | Purchase | NA |  |  |  |
| 11100009796 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA |  |  |  |
| D014482 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Refinance | Cash Out - Other |  |  |  |
| 101250413009 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 2025030186 |  | B A | Closed | FCRE5000 | 2025-05-21 11:50 | 2025-05-27 09:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Please leave a comment verifying the XXXX. Exception required for the transaction has exceeded the aggregate financed amount of $xxx and the number of loans financed (max is 10) - Due Diligence Vendor-05/21/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 16. Exception required for the transaction has exceeded the aggregate financed amount of $xxx and the number of loans financed (max is 10) - Due Diligence Vendor-05/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • 1.0 DSCR<br> • C1 property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4205216 |
| 2025030186 |  | B A | Closed | FCRE1194 | 2025-05-21 11:53 | 2025-05-27 09:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception required for 75% LTV, maximum allowed is 70% for unleased property. - Due Diligence Vendor-05/21/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception required for 75% LTV, maximum allowed is 70% for unleased property. - Due Diligence Vendor-05/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • 1.0 DSCR<br> • C1 property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4205288 |
| 1081021445 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NV | Primary Residence | Purchase | NA |  |  |  |
| 82504540 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| 82504556 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 82503526 |  | D A | Closed | FCRE1158 | 2025-05-27 17:56 | 2025-05-29 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard policy provided does not list Dwelling coverage - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 10.16 Years |  | EXISTING HAZARD INSURANCE (8).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Purchase | NA | N/A | N/A | 4250273 |
| 82503526 |  | D A | Closed | FCRE5790 | 2025-05-27 18:09 | 2025-05-29 11:49 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 10.16 Years |  | LQI CREDIT REPORT (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Purchase | NA | N/A | N/A | 4250392 |
| 411250420205 |  | D A | Closed | FCRE8639 | 2025-05-27 17:07 | 2025-06-10 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. PG - Buyer-06/06/2025 <br>Open-Personal Guaranty is Missing. Personal Guaranty is Missing. - Due Diligence Vendor-05/27/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-06/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | WI | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 4249809 |
| 411250420205 |  | D A | Closed | FCOM1477 | 2025-05-23 02:02 | 2025-05-30 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. see lock - Buyer-05/28/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/23/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx xxx_conf_xxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | WI | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 4223881 |
| 82504554 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Purchase | NA |  |  |  |
| 82504580 |  | D A | Closed | FCRE1503 | 2025-05-22 18:23 | 2025-06-06 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First payment Lettered, Note & Final CD provided for xxx (escrowed) & Final HUD (escrowed) and Note provided for xxx - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. business loan - no CD - Seller-06/04/2025 <br> Counter-Apologizes for the confusion: Missing First payment Letters/Final CD/Note for New Flexpoint Loans located at xxx & xxx per Final 1003 - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please advise which property is missing - Seller-06/02/2025 <br> Open-Mortgage Statements For Other REO Properties missing In File - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. business loan - no CD - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. Please advise which property is missing - Seller-06/02/2025<br>| Resolved-First payment Lettered, Note & Final CD provided for xxx (escrowed) & Final HUD (escrowed) and Note provided for xxx - Due Diligence Vendor-06/06/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.95% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 144.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | REO - PROPERTY PROFILE (4).pdf<br>REO - PROPERTY PROFILE (2).pdf<br>REO - MORTGAGE STATEMENT (3).pdf<br>REO - PROPERTY PROFILE (3).pdf<br>FINAL SETTLEMENT SHEET HUD-1 (9).pdf<br>SIGNED CLOSING PACKAGE (91).pdf<br>SIGNED CLOSING PACKAGE (90).pdf<br>SIGNED CLOSING PACKAGE (94).pdf<br>SIGNED CLOSING PACKAGE (93).pdf<br>SIGNED CLOSING PACKAGE (92).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | 4222175 |
| 82504580 |  | D A | Closed | FCRE1344 | 2025-05-22 18:40 | 2025-06-04 16:08 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Oct 2024 Bank statement provided. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Counter-Apologizes for the confusion, Missing Oct 2024 xxx #xxx statement - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Please advise what month is missing - Seller-05/29/2025 <br> Open-Borrower 1 Business Bank Statements Account #xxx Less Than 12 Months Provided - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Ready for Review-Please advise what month is missing - Seller-05/29/2025<br>| Resolved-Oct 2024 Bank statement provided. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.95% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 144.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Oct_2024 xxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | 4222401 |
| 82504581 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NC | Investment | Purchase | NA |  |  |  |
| 82503574 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 82504638 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Purchase | NA |  |  |  |
| 82505158 |  | B A | Closed | FCRE1194 | 2025-05-28 14:31 | 2025-05-28 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception approved for 5%LTV to 75%max C/O P&L w/no bank stmts. - Due Diligence Vendor-05/28/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception approved for 5%LTV to 75%max C/O P&L w/no bank stmts. - Due Diligence Vendor-05/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.14% 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 745 is Greater Than The Guideline Minimum Of 700 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 - 5.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | FICO 20+ points. DTI 5% below max. PITIA reserves above min by 6 months. 5+ years business ownership. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | MD | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4260038 |
| 82504464 |  | D A | Closed | FCRE1182 | 2025-05-31 15:54 | 2025-06-04 09:16 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 1008 - FINAL (23).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4291762 |
| 82504464 |  | D A | Closed | FCRE5782 | 2025-05-31 15:51 | 2025-06-04 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Miss GAP report or Undisclosed debt monitoring report required no more than 10 days prioer to the loan closing or any time after loan closing. Any new debt must be included in determining the DTI ratio. closing date was xxx/xxx/xxx - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | REFRESH CREDIT REPORT (1).pdf<br>REFRESH CREDIT REPORT (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4291752 |
| 82504464 |  | D A | Closed | FCRE5783 | 2025-05-31 15:51 | 2025-06-04 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Miss GAP report or Undisclosed debt monitoring report required no more than 10 days prioer to the loan closing or any time after loan closing. Any new debt must be included in determining the DTI ratio. closing date was xx/xx/xxx - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | REFRESH CREDIT REPORT (1).pdf<br>REFRESH CREDIT REPORT (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4291753 |
| 82504523 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA |  |  |  |
| 82504525 |  | D A | Closed | FCRE1161 | 2025-06-01 14:02 | 2025-06-04 17:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | FLOOD CERTIFICATION (4).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Purchase | NA | N/A | N/A | 4294028 |
| 82504525 |  | D A | Closed | FCRE1145 | 2025-06-01 13:53 | 2025-06-04 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Title Document is missing - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | PRELIM TITLE REPORT - 2025-06-xxx.234.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Purchase | NA | N/A | N/A | 4294023 |
| 82504346 |  | D A | Closed | FCRE5782 | 2025-06-01 17:52 | 2025-06-04 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Per G/L: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan <br> closing or any time after closing. Any new debt must be included in determining the DTI ratio. <br> - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.74 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 - 6 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 0.14 |  | LQI CREDIT REPORT (4).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA | N/A | N/A | 4294305 |
| 11100009690 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11100009886 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OH | Investment | Purchase | NA |  |  |  |
| 11100009817 |  | C A | Closed | FCRE1198 | 2025-05-30 22:24 | 2025-06-03 16:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 5.21 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Rebut-see attached. Loan approved under xxx program. Required reserves was 3 months. - Buyer-05/31/2025 <br> Open-Audited Reserves of 5.21 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/31/2025 |  | Resolved-Audited Reserves of 5.21 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx Reserve Requirements.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 4290832 |
| 11100009817 |  | C A | Closed | FCRE1167 | 2025-05-30 22:15 | 2025-06-03 16:36 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Per Florida Statute 626.9551 that became effective July 1, 2021: Florida law prohibits this checklist from changing any of the provisions of the insurance contract which is the subject of this checklist. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. Rebut-please see attached that we received from the insurance company. FL does not/will not issue RCEs and use the attached instead. Page 1 reflects the limit of insurance, which is based on the Replacement Cost. - Buyer-05/31/2025 <br>Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $358700 is less than the minimum required coverage amount of $440000 - Due Diligence Vendor-05/31/2025 |  | Resolved-Per Florida Statute 626.9551 that became effective July 1, 2021: Florida law prohibits this checklist from changing any of the provisions of the insurance contract which is the subject of this checklist. - Due Diligence Vendor-06/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | EOI Attachment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 4290819 |
| 62501055 |  | D A | Closed | FCRE5116 | 2025-06-02 13:43 | 2025-06-12 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Rent Free Letter Provided - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Rent Free letter does not reflect relationship to borrower. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Rent Free Letter Provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.62% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | LOE Rent Free.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4301754 |
| 82503585 |  | D A | Closed | FCRE1814 | 2025-06-02 14:13 | 2025-06-03 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided, - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing IRS.gov form with EIN. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Business Documents provided, - Due Diligence Vendor-06/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC DOCUMENT OR ENTITY DOCUMENT (16).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (14).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (15).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | MA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4302224 |
| 82503585 |  | D A | Closed | FCOM1233 | 2025-06-02 11:55 | 2025-06-03 07:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-The Final 1003 is Incomplete F1003 section 5 Borrower answered YES to "Will they occupy subject property" however loan is DSCR investment. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-06/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | _1003_19_pdf (6).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | MA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4299872 |
| 82504677 |  | D A | Closed | FCRE1764 | 2025-05-28 03:48 | 2025-06-04 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-xxx is a newly closed loan, First Payment Letter and Note provided (escrowed) - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Mortgage statement is missing for the property adress "xxx" Creditor name xxx-xxx-Act# xxx $ xxx - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-1007 xxx is a newly closed loan, First Payment Letter and Note provided (escrowed) - Due Diligence Vendor-06/04/2025 | 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 - 14.16 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 - 14.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Note 1007.pdf<br>payment 1007.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 4252732 |
| 82504683 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 82504596 |  | D A | Closed | FCRE1159 | 2025-06-02 11:01 | 2025-06-04 17:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date is xx.xx.xxx - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Hazard Insurance Effective Date of 05-22-2025 is after the Disbursement Date of xx-xx-xxx. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-PCCD provided disbursement date is 5.22.2025 - Due Diligence Vendor-06/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 12.85 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 - 12.85 Years |  | PCCD_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4298442 |
| 82504596 |  | D A | Closed | FCRE1182 | 2025-06-02 11:14 | 2025-06-04 17:41 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-1008/Underwriting Summary Not Provided Missing F1008. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 12.85 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 - 12.85 Years |  | 1008 - FINAL (22).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4298882 |
| 82504596 |  | D A | Closed | FCRE2109 | 2025-05-28 08:08 | 2025-06-04 17:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 12.85 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 - 12.85 Years |  | xxx xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4254042 |
| 82505099 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| W003155 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Purchase | NA |  |  |  |
| 217250316059 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | OH | Primary Residence | Purchase | NA |  |  |  |
| 82504101 |  | D A | Closed | FPRO1242 | 2025-06-03 17:41 | 2025-06-06 09:38 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-Appraisal is Missing Missing BPO. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | APPRAISAL REVIEW (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4324446 |
| 11100009887 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| 11100009852 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Purchase | NA |  |  |  |
| 1081021492 |  | D A | Closed | FCRE1437 | 2025-06-04 09:09 | 2025-06-27 10:46 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Counter-Document Uploaded. Per Guidelines: Age of documents from Note Date / Income Documents: 60 Days - P&L is dated Feb 28.2025 and Note date is xx.xx.xxx >60 days - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Can you please be more specific for what is needed or required to clear this condition? - Seller-06/23/2025 <br> Open-Income and Employment Do Not Meet Guidelines Income documents for xxx exceed 60 days from the Note. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Ready for Review-Can you please be more specific for what is needed or required to clear this condition? - Seller-06/23/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% 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 - 9.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Screenshot 2025-06-24 134539.jpg<br> xxx (002) PL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329277 |
| 1081021492 |  | D A | Closed | FCRE1145 | 2025-06-04 08:10 | 2025-06-15 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/15/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-Title Document is missing Provide the title commitment for the subject property. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% 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 - 9.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4328736 |
| 1081021492 |  | D A | Closed | FCRE1150 | 2025-06-04 08:59 | 2025-06-15 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - Due Diligence Vendor-06/15/2025 <br> Open-Existing 2nd lien is present on loan and no subordination agreement is provided. An executed Subordination Agreement for $xxx was not located in the loan file. - Due Diligence Vendor-06/04/2025 |  | Resolved-Subordination Agreement is Present - Due Diligence Vendor-06/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% 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 - 9.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329163 |
| 11100010163 |  | D A | Closed | FCRE1503 | 2025-06-02 17:33 | 2025-06-06 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First Payment letter & Final HUD Provided. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/05/2025 <br> Open-Mortgage Statement or Final Note or Final C/D is Missing for the Newly Purchased Investment Property #xxx xxx to verify the Mortgage Payment. - Due Diligence Vendor-06/02/2025 |  | Resolved-Note, First Payment letter & Final HUD Provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 700 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 - 9.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.4 Are Greater Than The Guideline Minimum Of 6 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 - 9.50 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 - 10.83 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 0.2 |  | 2227 Final HUD.pdf<br>2227 First Payment Letter.pdf<br>2227 Note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | GA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4305835 |
| 11100009818 |  | C A | Closed | FCRE1193 | 2025-06-05 08:57 | 2025-06-10 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Please see attached. - Buyer-06/07/2025 <br>Open-DTI discrepancy due to difference of payments on gap report vs initial credit report. Liabilities have lower payments. Discrepancy - audit 26.53% vs lender 31.39%. Provide updated 1008. - Due Diligence Vendor-06/05/2025 |  | Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Updated xxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4343272 |
| 1081021665 |  | D A B | Closed | FCRE1182 | 2025-06-04 07:41 | 2025-06-23 14:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. 1008 uploaded - Seller-06/06/2025 <br>Open-1008/Underwriting Summary Not Provided . Review is unable to make comparisons. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. 1008 uploaded - Seller-06/06/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | 1008_Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328526 |
| 1081021665 |  | D A B | Closed | FCRE1193 | 2025-06-04 07:41 | 2025-06-23 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.86% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-06/20/2025 <br> Counter-Provide an Updated 1008 reflecting the correct ratios. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. The xxx his ex wife pays. We have 12 months of payment to exclude it. Attached is the 12 month of payments , plus proof that the bank account belongs to the ex wife. Thexxx is the xxx mortgage payment which belongs to the ex. - Seller-06/17/2025 <br> Counter-Document Uploaded. The Primary Residence P&I is $28,158 Per LOE & Mortgage payment history located on page 444 & 496 - No HOI (included in Master) Monthly HOA page 489 $3,223.31 per month - Property Tax Page 487 $51,763.45 / 12 = $4,313.62 = Total PITIA $35,694.93 which matches Final 1003 located on page 11 - Total Liabilities per xxx dated 5.30.2025 $18,307.00 / Breakdown xxx $xxx - xxx $xxx (higher amount than what's listed on the final 1003) xxx card No payment took $3511.00 from Final 1003 & xxx $2770 = 18,307.00 - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please find the updated 1008 form attached <br>The Monthly Qualifying income is $119,111.52<br> The Total Expenses are: $54,781.39 (The Current Housing expense of $21,656.93 + Proposed PITIA $11,085.36+ All other expenses from credit report of $22,039.10)<br>Hence the DTI is 45.992%<br> - Seller-06/16/2025 <br> Counter-Document Uploaded. The Difference in the Audited DTI of 50.15% vs the Lenders 45.223% appears to be due from the xxx #xxx UPB $xxx with no Payment Listed, Took from Final 1003 - Monthly Payment of $3511.00. 1008 states total Monthly debts as $14,622.00 however with including the xxx account, the total monthly debts is $18,307.00. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. please see bank statements attahced - Seller-06/10/2025 <br> Counter-Missing 12 Month Bank statements for Each Business "xxx, xxx, and xxx" which were used for Income qualifications. (Lenders Income worksheets located on pages 428, 432, 433) - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. 1008 attached - Seller-06/06/2025 <br> Open-Audited DTI of 54.67% exceeds Guideline DTI of 50% . 1008 was not provided for comparison. Difference based on the final 1003 would appear to be due to none of the liabilities being included in the ratios as they appear on the credit report. No income docs or other supporting docs were provided to confirm the cause for exclusion at the time of review. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-06/20/2025 <br> Ready for Review-Document Uploaded. The xxx his ex wife pays. We have 12 months of payment to exclude it. Attached is the 12 month of payments , plus proof that the bank account belongs to the ex wife. The xxx is the xxx mortgage payment which belongs to the ex. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please find the updated 1008 form attached <br>The Monthly Qualifying income is $119,111.52<br> The Total Expenses are: $54,781.39 (The Current Housing expense of $21,656.93 + Proposed PITIA $11,085.36+ All other expenses from credit report of $22,039.10)<br>Hence the DTI is 45.992%<br> - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. please see bank statements attahced - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. 1008 attached - Seller-06/06/2025 | Resolved-Audited DTI of 42.86% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | 1008_Transmittal Summary.pdf<br> xxx_BANK_STATEMENT_xxx_2023-05-01-2025-04-30_CONSOLIDATED_xxx.pdf<br> xxx xxx_BANK_STATEMENT_xxx_2023-05-01-2025-04-30_CONSOLIDATED_xxx.pdf<br> xxx_BANK_STATEMENT_xxx_2025-03-01-2025-03-31_CHECKING_xxx.pdf<br> xxx.jpg<br> Screenshot 2025-06-12 152144.jpg<br> 1008.jpg<br> 1008- Transmittal summary.pdf<br> LOE regarding Primary Residence .jpg<br> Primary Payment History.jpg<br> Primary HOA Monthly fee.jpg<br> Primary Residence Property Taxes.jpg<br> xxx Supplement.jpg<br> xxx.jpg<br> MergedDocument.pdf<br> 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328528 |
| 1081021665 |  | D A B | Closed | FCRE1342 | 2025-06-04 06:36 | 2025-06-12 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved- - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Attached is the bank statements requested - Seller-06/10/2025 <br> Counter-Missing 12 Month Bank statements for Each Business "xxx, xxx, and xxx" which were used for Income qualifications. (Lenders Income worksheets located on pages 428, 432, 433) - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. statements for requested accounts uploaded - Seller-06/06/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide Below updated Business Bank Statement for Income Calc. However its missing in the Loan Package. xxx, xxx, and xxx. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Attached is the bank statements requested - Seller-06/10/2025 <br>Ready for Review-Document Uploaded. statements for requested accounts uploaded - Seller-06/06/2025<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx_xxx_xxx.pdf<br> xxx_xxx_xxx.pdf<br> xxx_xxx_xxx.pdf<br> xxx_BANK_STATEMENT_xxx_2025-03-01-2025-03-31_CHECKING_xxx.pdf<br> xxx_BANK_STATEMENT_xxx_2023-05-01-2025-04-30_CONSOLIDATED_xxx.pdf<br> xxx_BANK_STATEMENT_xxxx_2023-05-01-2025-04-30_CONSOLIDATED_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328119 |
| 1081021665 |  | D A B | Closed | FCRE1467 | 2025-06-04 06:39 | 2025-06-10 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025 <br> Open-Asset 1 Missing Provide Bank Statement "xxx, Acct#xxx " as required per guidelines to support $xxx and any large deposits, if applicable, sourced. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx_xxx_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328139 |
| 1081021665 |  | D A B | Closed | FCRE1468 | 2025-06-04 06:39 | 2025-06-10 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025 <br> Open-Asset 2 Missing Provide Bank Statement " xxx, Acct#xxx " as required per guidelines to support $xxx and any large deposits, if applicable, sourced. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx_xxx_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328140 |
| 1081021665 |  | D A B | Closed | FCRE1469 | 2025-06-04 06:39 | 2025-06-10 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025 <br> Open-Asset 3 Missing Provide Bank Statement " xxx, Acct#xxx " as required per guidelines to support $xxx and any large deposits, if applicable, sourced. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Bank statements attached - Seller-06/06/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx_xxx_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328141 |
| 1081021665 |  | D A B | Closed | FCRE1470 | 2025-06-04 06:39 | 2025-06-10 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Not required, since we didn't consider the income from this account. Only Considered for the cash to close and reserves requirement. There is no large deposits in the recent 2 months bank statements. Please see attached. - Seller-06/06/2025 <br> Open-Asset 4 Missing Provide Bank Statement " xxx, Acct#xxx " as required per guidelines to support $xxx and any large deposits, if applicable, sourced. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Not required, since we didn't consider the income from this account. Only Considered for the cash to close and reserves requirement. There is no large deposits in the recent 2 months bank statements. Please see attached. - Seller-06/06/2025<br>| Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx_xxx_xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4328142 |
| 1081021665 |  | D A B | Closed | FCOM1797 | 2025-06-05 13:36 | 2025-06-09 08:48 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Service provider list uploaded - Seller-06/06/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Service provider list uploaded - Seller-06/06/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% 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 760 is Greater Than The Guideline Minimum Of 700 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 - 7.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | Service Provider List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Second Home | Purchase | NA | N/A | N/A | 4348947 |
| 11100009856 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CO | Investment | Refinance | Cash Out - Other |  |  |  |
| 11100010175 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | GA | Primary Residence | Purchase | NA |  |  |  |
| JET25030159 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | PA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| JET25040280 |  | C A | Closed | finding-3631 | 2025-06-04 10:16 | 2025-06-09 08:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-\*\*The final total of the State Stamp tax and Transfer tax in Section E of the final CD exceeded the baseline previously set. The original file does not appear to contain a valid COC in relation to the increase. - Due Diligence Vendor-06/05/2025 <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-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-COC event provided - Due Diligence Vendor-06/09/2025<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 - 5.39 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | COC AT DOCS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4330312 |
| JET25040280 |  | C A | Closed | finding-3632 | 2025-06-04 10:16 | 2025-06-09 08:10 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-\*\*The final total of the State Stamp tax and Transfer tax in Section E of the final CD exceeded the baseline previously set. The original file does not appear to contain a valid COC in relation to the increase. - Due Diligence Vendor-06/05/2025 <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-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-COC event provided - Due Diligence Vendor-06/09/2025<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 - 5.39 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | COC AT DOCS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4330313 |
| JET25040280 |  | C A | Closed | finding-3634 | 2025-06-04 10:16 | 2025-06-09 08:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-\*\*The final total of the State Stamp tax and Transfer tax in Section E of the final CD exceeded the baseline previously set. The original file does not appear to contain a valid COC in relation to the increase. - Due Diligence Vendor-06/05/2025 <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 $283.30.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-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-COC event provided - Due Diligence Vendor-06/09/2025<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 - 5.39 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | COC AT DOCS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4330314 |
| JET25040628 |  | D A | Closed | FCRE1197 | 2025-06-06 13:02 | 2025-06-10 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 739 is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. We are using B1 Fico Scores. Mid Score is 739 - Seller-06/10/2025 <br>Open-Audited FICO of is less than Guideline FICO of 620 Audited FICO, missing, is less than Guideline FICO of 620 - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. We are using B1 Fico Scores. Mid Score is 739 - Seller-06/10/2025<br>| Resolved-Audited FICO of 739 is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-06/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years. Borrower At Current Residence For Five (5) Or More Years - 13.83 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 - 5.97 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.97 Years |  | image001.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4363278 |
| JET25040628 |  | D A | Closed | FCRE5770 | 2025-06-04 09:24 | 2025-06-10 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Borrower 1 Credit Report is Missing. - Not Provided - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years. Borrower At Current Residence For Five (5) Or More Years - 13.83 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 - 5.97 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.97 Years |  | CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329465 |
| JET25040628 |  | D A | Closed | FCRE5771 | 2025-06-04 09:24 | 2025-06-10 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Borrower 2 Credit Report is Missing. - Not provided - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years. Borrower At Current Residence For Five (5) Or More Years - 13.83 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 - 5.97 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.97 Years |  | CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329466 |
| JET25040628 |  | D A | Closed | FCRE1159 | 2025-06-06 12:02 | 2025-06-10 15:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 06-15-2024 is prior to or equal to the Disbursement Date of xxx-xxx-xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Hazard Insurance Effective Date of 06-15-2025 is after the Disbursement Date of xx-xx-xxx . - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Hazard Insurance Effective Date of 06-15-2024 is prior to or equal to the Disbursement Date of xx-xx-xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years. Borrower At Current Residence For Five (5) Or More Years - 13.83 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 - 5.97 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.97 Years |  | HAZARD INSURANCE_RENEWAL - June 15, 2025 - June 15, 2026.pdf<br>HAZARD INSURANCE_CURRENT - June 15, 2024 - June 15, 2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4362468 |
| 11100009900 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | FL | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| W003170 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| 11100010115 |  | C B A | Closed | FCRE1200 | 2025-06-10 18:33 | 2025-06-13 13:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved Lender Exception: Min $100K - subject $xxx - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. See attached exception approval that was made during underwriting. - Buyer-06/11/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 - Due Diligence Vendor-06/10/2025 |  | Waived-Approved Lender Exception: Min $100K - subject $xxx - Due Diligence Vendor-06/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 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 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR: Min - 1.0% Subj - 1.45%<br> B has owned property for 5+ years | xxx Exception Approval.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4404375 |
| W003206 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| D014332 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OK | Investment | Purchase | NA |  |  |  |
| 4191250520830 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| 2025050059 |  | D B A | Closed | FCRE1255 | 2025-06-13 10:46 | 2025-07-03 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Missing | Resolved-Doc received - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-The Investment property xxx missing insurance in loan file. <br>- Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Doc received - Due Diligence Vendor-07/03/2025<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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years |  | xxxx EOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4439814 |
| 2025050059 |  | D B A | Closed | FCRE3874 | 2025-06-16 15:12 | 2025-06-16 15:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for subject property is in rural location - Due Diligence Vendor-06/16/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for subject property is in rural location - Due Diligence Vendor-06/16/2025<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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years | 19 months reserves using cash out proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4462116 |
| 2025050059 |  | D B A | Closed | FCRE1004 | 2025-06-13 10:42 | 2025-06-13 10:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception required for not meeting the loan modification seasoning requirement of 48 months - Due Diligence Vendor-06/13/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception required for not meeting the loan modification seasoning requirement of 48 months - Due Diligence Vendor-06/13/2025<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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years | 19 months reserves using cash out proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4439772 |
| 2025050059 |  | D B A | Closed | FCRE1440 | 2025-06-13 10:41 | 2025-06-13 10:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception required for 1x30x12 mortgage rating not meeting the requirement of 0x30x12 - Due Diligence Vendor-06/13/2025 |  | Waived-Exception required for 1x30x12 mortgage rating not meeting the requirement of 0x30x12 - Due Diligence Vendor-06/13/2025<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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years | 19 months reserves using cash out proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4439733 |
| 2025050059 |  | D B A | Closed | FCRE1493 | 2025-06-13 10:39 | 2025-06-13 10:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception for borrower xxx not meeting the tradeline requirements - Due Diligence Vendor-06/13/2025 |  | Waived-Exception for borrower xxx not meeting the tradeline requirements - Due Diligence Vendor-06/13/2025 | 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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years | 19 months reserves using cash out proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4439717 |
| 2025050059 |  | D B A | Closed | FVAL9739 | 2025-06-13 10:39 | 2025-06-13 10:39 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception required for subject property is in rural location <br> - Due Diligence Vendor-06/13/2025 |  | Waived-Exception required for subject property is in rural location <br> - Due Diligence Vendor-06/13/2025<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 - 22.10 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 - 22.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.18 Years | 19 months reserves using cash out proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4439706 |
| VIS2504938 |  | D A | Closed | FCRE1182 | 2025-06-16 16:32 | 2025-06-19 10:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008 xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NJ | Investment | Purchase | NA | N/A | N/A | 4463552 |
| VIS2504938 |  | D A | Closed | FCRE1157 | 2025-06-13 02:55 | 2025-06-19 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | HAZARD xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NJ | Investment | Purchase | NA | N/A | N/A | 4435321 |
| 1081022007 |  | D A | Closed | FCRE1198 | 2025-06-14 17:19 | 2025-06-30 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.43 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Bank account details and May statement attached. - Seller-06/28/2025 <br> Counter-The most recent xxx Bank statement dated 4.30.25 states available Funds are $72,635.71 vs what the Final 1003 reflects as $120,214.00 - is there a most recent xxx Bank statement to support available funds of $120,214.00. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Per our UW team: <br>We have 9 months reseves verified<br>Assets Verified: $338,681 (-) funds to close $xxx = $xxx <br>$86,315.45 (-) 9 months PITI ($7,077.74) =$63,699.66 <br>$22,615.79 left over <br>Attached is printout with some details they provided. If this is something you do not agree with, could you provide more information as to why you feel we are short? Thank you!<br> - Seller-06/25/2025 <br> Counter-Document Uploaded. If using the Expanded DTI of 55% the Guidelines state to add 3 months reserves totaling 9 months required. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-o It appears minimum reserves should be 6 months rather than 9 months, per matrix and xxx guidelines. <br> o Business assets were used for reserves. Can you please provide a breakdown/ explanation on how you've arrived at 5.47 reserves so we can review? <br> - Seller-06/19/2025 <br> Open-Audited Reserves of 5.47 are less than Guideline Required Reserves of 6 Audited Reserves of 5.47 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. Bank account details and May statement attached. - Seller-06/28/2025 <br> Ready for Review-Document Uploaded. Per our UW team: <br>We have 9 months reseves verified<br>Assets Verified: $338,681 (-) funds to close $xxx = $xxx <br>$86,315.45 (-) 9 months PITI ($7,077.74) =$63,699.66 <br>$22,615.79 left over <br>Attached is printout with some details they provided. If this is something you do not agree with, could you provide more information as to why you feel we are short? Thank you!<br> - Seller-06/25/2025 <br> Ready for Review-o It appears minimum reserves should be 6 months rather than 9 months, per matrix and xxx guidelines. <br> o Business assets were used for reserves. Can you please provide a breakdown/ explanation on how you've arrived at 5.47 reserves so we can review? <br> - Seller-06/19/2025 | Resolved-Audited Reserves of 12.43 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-06/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 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 - 25.45 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 - 25.44 Years |  | Screenshot 2025-06-20 140441.jpg<br> xxx Response from UW.pdf<br> xxx Bank Docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Purchase | NA | N/A | N/A | 4450742 |
| 1081022007 |  | D A | Closed | FCRE1193 | 2025-06-16 13:04 | 2025-06-30 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 53.53% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. o The underwriter placed a note in the 1008 stating that they're using expanded debt ratio to 55%. Per xxx matrix dated xx/xx/xx; expanded DTI 50% - 55%) . I've attached the 1008 for review. - Seller-06/19/2025 <br> Open-Audited DTI of 50.12% exceeds Guideline DTI of 50% DTI exceeds guidelines based on variance in income submitted of $42068.55 and calculated income $39388 - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. o The underwriter placed a note in the 1008 stating that they're using expanded debt ratio to 55%. Per Vista matrix dated 5/12/25; expanded DTI 50% - 55%) . I've attached the 1008 for review. - Seller-06/19/2025<br>| Resolved-Audited DTI of 53.53% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/20/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 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 - 25.45 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 - 25.44 Years |  | xxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Purchase | NA | N/A | N/A | 4459541 |
| 1081022007 |  | D A | Closed | FCRE5782 | 2025-06-14 17:10 | 2025-06-24 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Validated - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 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 - 25.45 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 - 25.44 Years |  | xxx Doc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Purchase | NA | N/A | N/A | 4450714 |
| 2025030182 |  | C B A | Closed | FCRE8201 | 2025-06-14 08:23 | 2025-07-07 11:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved Lender Exception: Exception required for not meeting guidelines. 20 NSF occurrences in the last 12 months exceeds the maximum allowed of 5 occurrences. - Due Diligence Vendor-07/07/2025 <br>Counter-the Approved Exception form is not even E-Signed. Please see attached Document provided. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-We electronic sign everything - Seller-06/26/2025 <br>Counter-Please see screenshot doc that was uploaded- Missing "Signed" Approved Exception form - Due Diligence Vendor-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Counter-Document Uploaded. Missing "Signed" Approved Exception form - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-Exception remains open as it is not signed to show it was officially approved as required. Form shows 20 NSF occurrences in the last 12 months exceeds the maximum allowed of 5 occurrences. - Due Diligence Vendor-06/16/2025 | Ready for Review-We electronic sign everything - Seller-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Waived-Approved Lender Exception: Exception required for not meeting guidelines. 20 NSF occurrences in the last 12 months exceeds the maximum allowed of 5 occurrences. - Due Diligence Vendor-07/07/2025<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 - 25.28 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 - 25.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.64 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 - 16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | 26 months reserves using cash out proceeds<br> LTV at 22.72% | EXCEPTION FORM.pdf<br>Screenshot 2025-06-18 132100.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4449477 |
| 2025030182 |  | C B A | Closed | FCRE7532 | 2025-06-16 12:58 | 2025-07-07 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Waived-Approved Lender Exception: Exception required for cash out transaction is not available based on the borrower's FICO score - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Counter-the Approved Exception form is not even E-Signed. Please see attached Document provided. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-We electronic sign everything - Seller-06/26/2025 <br>Counter-Please see screenshot doc that was uploaded- Missing "Signed" Approved Exception form - Due Diligence Vendor-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Counter-Document Uploaded. Missing "Signed" Approved Exception form - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-Exception remains open as it is not signed to show it was officially approved as required. Exception required for cash out transaction is not available based on the borrower's FICO score - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Ready for Review-We electronic sign everything - Seller-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Waived-Approved Lender Exception: Exception required for cash out transaction is not available based on the borrower's FICO score - Due Diligence Vendor-07/07/2025<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 - 25.28 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 - 25.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.64 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 - 16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | 26 months reserves using cash out proceeds. <br> LTV at 22.72%. | EXCEPTION FORM.pdf<br> Screenshot 2025-06-18 132100.jpg<br> EXCEPTION FORM - xxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4459458 |
| 2025030182 |  | C B A | Closed | FCRE1197 | 2025-06-14 08:21 | 2025-07-03 10:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender exception for current FICO of 609 not meeting minimum of 620 - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Counter-the Approved Exception form is not even E-Signed. Please see attached Document provided. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-We are paperless all signatures are digital - Seller-06/26/2025 <br>Counter-Please see screenshot doc that was uploaded- Missing "Signed" Approved Exception form - Due Diligence Vendor-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Counter-Document Uploaded. Missing "Signed" Approved Exception form - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-Audited FICO of 609 is less than Guideline FICO of 620 Exception remains open as it is not signed to show it was officially approved as required. Form shows = Exception required for current FICO of 609 does not meet the minimum requirement of 620 - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Ready for Review-We are paperless all signatures are digital - Seller-06/26/2025 <br>Ready for Review-We electronic sign everything - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Waived-Lender exception for current FICO of 609 not meeting minimum of 620 - Due Diligence Vendor-07/03/2025<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 - 25.28 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 - 25.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.64 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 - 16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | 26 months reserves using cash out proceeds <br> LTV at 22.72%  | EXCEPTION FORM.pdf<br> Screenshot 2025-06-18 132100.jpg<br> EXCEPTION FORM - xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4449474 |
| 11100010103 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | LA | Investment | Purchase | NA |  |  |  |
| WMD2505991 |  | D A | Closed | FCRE1157 | 2025-06-19 15:28 | 2025-07-02 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Counter-Document Uploaded. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Counter-The HOI Policy provided states the Policy number as TBD and the Dwellings coverage of $733K is not sufficient to cover the loan amount. Missing Full HOI Policy and or RCE - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy document is missing. - Due Diligence Vendor-06/19/2025 | HOI Policy still states "TBD" for Policy Number. - 06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.78% 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 - 7.60 Years |  | EOI.pdf<br>rce.pdf<br>Screenshot 2025-06-27 141437.jpg<br>Binder.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NY | Primary Residence | Purchase | NA | N/A | N/A | 4503123 |
| WMD2505991 |  | D A | Closed | FCRE1182 | 2025-06-20 11:44 | 2025-06-27 14:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.78% 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 - 7.60 Years |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NY | Primary Residence | Purchase | NA | N/A | N/A | 4511954 |
| WMD2505991 |  | D A | Closed | FCRE1198 | 2025-06-20 11:44 | 2025-06-27 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 19.15 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Final 1003 and 1008 reflects verified Assets of $60,004.89 - the Most recent xxx Bank statement is dated 4.30.25 with an available balance of $32,134.21 - Short reserves by -$23,800.21 - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Audited Reserves of 19.15 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-06/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.78% 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 - 7.60 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NY | Primary Residence | Purchase | NA | N/A | N/A | 4511956 |
| 11100010195 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Refinance | Cash Out - Other |  |  |  |
| D014600 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OH | Investment | Purchase | NA |  |  |  |
| D014760 |  | D A | Closed | FCRE1814 | 2025-06-23 12:59 | 2025-06-26 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Please Provide Entity Documents " xxx". However its missing at the time of review.<br> 1. Formatting Document.<br> 2. Good Standing Document.<br> 3. Operating Agreement for LLC.<br> 4. Entity Document for LLC. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Business Documents provided. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.66 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 - 22.42 Years |  | package-xxx-xxx-xxx-211742058.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OK | Investment | Purchase | NA | N/A | N/A | 4529528 |
| 4901250521546 |  | C A | Closed | FCRE1440 | 2025-06-24 18:42 | 2025-07-08 11:53 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-HOA document provided. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of additional property cost for non subject property (B2 and B3's) primary property at xxx as stated on FInal 1003 pg 1391 in the amount of $729.33 a month - Due Diligence Vendor-06/24/2025 |  | Resolved-HOA document provided. - Due Diligence Vendor-07/08/2025<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 0.19<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 - 8.79 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.41% 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 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years |  | xxxx.HOA.2024.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4549812 |
| 1000102262 |  | D A C | Closed | FCRE1198 | 2025-06-26 13:08 | 2025-06-27 08:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.13 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Audited Reserves of 0.46 are less than Guideline Required Reserves of 3 Missing final settlement statement to confirm cash back for use of reserves. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Audited Reserves of 8.13 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | HUD (3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | KY | Investment | Refinance | Cash Out - Other | N/A | N/A | 4574137 |
| 1000102262 |  | D A C | Closed | FCOM1511 | 2025-06-24 01:19 | 2025-06-27 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Final Settlement Statement/ Final CD is missing for the subject Property - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | HUD (3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | KY | Investment | Refinance | Cash Out - Other | N/A | N/A | 4536962 |
| 11100010326 |  | C A | Closed | FCRE1176 | 2025-06-26 17:25 | 2025-07-07 10:28 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD disbursement date is xx.xx.xxx - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-07/03/2025 <br> Open-HO-6 Insurance Policy Effective Date of 06-21-2025 is after the Note Date of xx-xx-xxx In need of previouse policy dated 6/21/2024-6/21/2025. Policy in file pg 712 effective pg 6/21/2025 and disbursement date is xx/xx/xxx per wirse pg 1094 - Due Diligence Vendor-06/26/2025 |  | Resolved-PCCD disbursement date is 6.20.2025 - Due Diligence Vendor-07/07/2025<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 - 17.22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 0.07<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 - 18.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx_xxx_8_xxx_xxx_xxx_EOI_7_02_25 Copy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4578808 |
| 11100009954 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2025050148 |  | C A | Closed | FCOM4227 | 2025-06-25 11:06 | 2025-07-18 08:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Counter-Revised Loan Estimate provided ------ Initial Closing Disclosure and proof of delivery not less than 3 days prior to consummation, has not been provided - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Counter-Documentation provided does not include the Initial Closing Disclosure and proof of delivery not less than 3 days prior to consummation - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Missing Initial Closing Disclosure - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/18/2025<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 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | INITIAL DISCLOSURE PACKAGE.pdf<br>REDISCLOSED LOAN ESTIMATE.pdf<br>VERIFICATION OF RECEIPT OF CD - 2025-07-16T094935.286.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4556256 |
| 2025050148 |  | C A | Closed | FCRE7009 | 2025-06-25 17:18 | 2025-07-15 13:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-CA Fair Plan provided and shows the required coverages. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Document Uploaded. Please see attached Full Policy and Snippets showing Fire is not listed within the policy coverage. If the Policy covers Fire within the Dwelling then LOE from Insurance Company to confirm. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-The xxx policy covers fire, dwelling. - Seller-07/14/2025 <br> Counter-Per the xxx policy, it states "the Policy does not cover the Peril of fire. See Screenshot uploaded - Due Diligence Vendor-07/08/2025 <br> Ready for Review-The xxx policy covers fire, dwelling - Seller-07/07/2025 <br> Counter-Document Uploaded. the file is missing the CA Fair Plan Association document. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-RCE covers all cost what else do you need - Seller-07/03/2025 <br> Counter-Property needs to have fire coverage. Generally most perils are covered by one insurance policy. In this case as in many California policies they are not. Please provide copy of policy. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-CA Fair Plan covers fire only. The xxx policy covers liability - Seller-07/02/2025 <br> Counter-RCE received, Missing evidence of fire hazard insurance. Current policy (page 21) says it does not cover the peril of fire. Usually a CA Fair Plan is found coverage such risk. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Missing evidence of fire hazard insurance. Current policy (page 21) says it does not cover the peril of fire. Usually a CA Fair Plan is found coverage such risk. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Ready for Review-The xxx policy covers fire, dwelling. - Seller-07/14/2025 <br> Ready for Review-The xxx policy covers fire, dwelling - Seller-07/07/2025 <br> Ready for Review-RCE covers all cost what else do you need - Seller-07/03/2025 <br> Ready for Review-CA Fair Plan covers fire only. The xxx policy covers liability - Seller-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 | Resolved-CA Fair Plan provided and shows the required coverages. - Due Diligence Vendor-07/15/2025<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 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | RCE.pdf<br>INSURANCE INVOICE.pdf<br>Screenshot 2025-07-07 112255.jpg<br>HOI Policy.pdf<br>Screenshot 2025-07-15 074758.jpg<br>Screenshot 2025-07-15 074821.jpg<br>FINAL 1008.pdf<br>CORRECT FIRST PAYMENT LTR.pdf<br>post closing cd (002).pdf<br>post closing cd (002).pdf<br>ca fair plan.pdf<br>CORRECT IEAD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4563638 |
| KNS2505X211640 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | KS | Primary Residence | Purchase | NA |  |  |  |
| 2025050116 |  | C B A | Closed | FCOM4227 | 2025-07-01 18:12 | 2025-07-03 09:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. The CD was issued on xx/xx/xx and loan funded on xx/xx. <br>- Seller-07/02/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. The CD was issued on 5/25/25 and loan funded on xx/xx. <br>- Seller-07/02/2025 | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/03/2025<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 - 30.40 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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 30.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.13% 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 - 28 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | VERIFICATION OF RECEIPT OF CD - 2025-07-02T101755.631.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 4623955 |
| 2025050116 |  | C B A | Closed | FCRE1193 | 2025-06-30 18:36 | 2025-06-30 18:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.83% exceeds Guideline DTI of 43% Exception to use max DTI as 50% inlieu of 43% - Due Diligence Vendor-06/30/2025 |  | Waived-Audited DTI of 48.83% exceeds Guideline DTI of 43% Exception to use max DTI as 50% inlieu of 43% - Due Diligence Vendor-06/30/2025<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 - 30.40 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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 30.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.13% 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 - 28 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | - Current FICO is 773 while min FICO required is 660+ <br> - Reserves of 30 months post loan closing <br> - Housing history 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | 4609224 |
| 2025050163 |  | D A | Closed | FPRO1242 | 2025-07-02 12:46 | 2025-07-10 08:48 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-07/07/2025<br>|  |  | APPRAISAL TRANSFER REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | N/A | N/A | 4633594 |
| 2025050163 |  | D A | Closed | FPRO1136 | 2025-07-07 11:35 | 2025-07-10 08:48 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Counter-Missing 1004D - Per Appraiser: Water heater and electric meter for ADU to be installed and working. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/08/2025 <br>Open-Missing 1004D - Per Appraiser: Water heater and electric meter for ADU to be installed and working. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/10/2025<br>|  |  | APPRAISAL EMAILED TO BORROWER.pdf<br>442 FINAL INSPECTION - TRANSFER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | CA | Investment | Purchase | NA | N/A | N/A | 4689426 |
| D015269 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | IN | Investment | Refinance | Cash Out - Other |  |  |  |
| 2025040173 |  | C B A | Closed | FCOM4227 | 2025-07-07 17:39 | 2025-07-16 09:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-5/7/2025 and 6/24/2025 TRID disclosures not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Counter-Initial Closing Disclosure Delivery Date: 05/07/2025, has not been provided. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-5/7/2025 and 6/24/2025 TRID disclosures not previously provided, have been received, data entered, no additional compliance findings. - Due Diligence Vendor-07/16/2025<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 - 22.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.46% 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 - 17.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | VERIFICATION OF RECEIPT OF CD - 2025-07-14T144600.965.pdf<br>VERIFICATION OF RECEIPT OF CD - 2025-07-15T102135.670.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4710853 |
| 2025040173 |  | C B A | Closed | FCRE1167 | 2025-07-09 05:37 | 2025-07-11 10:31 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $465000 is less than the minimum required coverage amount of $695000 Missing evidence of sufficient hazard coverage OR satisfactory RCE. (2 insurance policies, one covers fire and one does not) - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/11/2025<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 - 22.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.46% 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 - 17.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4745141 |
| 2025040173 |  | C B A | Closed | FCRE1440 | 2025-07-07 10:20 | 2025-07-09 05:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-EXCEPTION TO USE PAYMENT LEDGER IN LIEU OF VOM FROM xxx TO COMPLETE THE 12 MONTHS HOUSING HISTORY <br> - Due Diligence Vendor-07/07/2025 |  | Waived-EXCEPTION TO USE PAYMENT LEDGER IN LIEU OF VOM FROM xxx TO COMPLETE THE 12 MONTHS HOUSING HISTORY <br> - Due Diligence Vendor-07/07/2025 | 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 - 22.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.46% 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 - 17.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | COMPENSATING FACTORS: <br> 1. LTV of 53.462%, max allowed is 80% <br> 2. Payment shock is 222.074%, max allowed is 300% <br> 3. Credit Score is 750, minimum required is 660. <br> 4. Post closing reserves is 32.92 months which program requires 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4682016 |
| 2025040173 |  | C B A | Closed | FCRE8611 | 2025-07-07 10:20 | 2025-07-09 05:51 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-EXCEPTION REQUIRED TO EXTEND THE EXPIRATION DATE OF INCOME DOCUMENTS. - Due Diligence Vendor-07/07/2025 |  | Waived-EXCEPTION REQUIRED TO EXTEND THE EXPIRATION DATE OF INCOME DOCUMENTS. - Due Diligence Vendor-07/07/2025<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 - 22.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.46% 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 - 17.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | COMPENSATING FACTORS: <br> 1. LTV of 53.462%, max allowed is 80% <br> 2. Payment shock is 222.074%, max allowed is 300% <br> 3. Credit Score is 750, minimum required is 660. <br> 4. Post closing reserves is 32.92 months which program requires 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4682163 |
| 2025050141 |  | C B A | Closed | FCOM4227 | 2025-07-08 13:30 | 2025-07-22 09:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-CD(s) dated 6/11/2025, 6/18/2025 & 6/20/2025 not previously provided are received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.<br> - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-CD(s) dated 6/11/2025, 6/18/2025 & 6/20/2025 not previously provided are received, data entered, no additional compliance findings. - Due Diligence Vendor-07/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | VERIFICATION OF RECEIPT OF CD 3.pdf<br>VERIFICATION OF RECEIPT OF CD 2.pdf<br>VERIFICATION OF RECEIPT OF CD 1.pdf<br>VERIFICATION OF RECEIPT OF CD.pdf<br>PRE CLOSING DISCLOSURE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4734736 |
| 2025050141 |  | C B A | Closed | FCRE1167 | 2025-07-08 11:23 | 2025-07-16 08:03 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $607500 is less than the minimum required coverage amount of $730000 - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4724620 |
| 2025050141 |  | C B A | Closed | FVAL5524 | 2025-07-09 12:04 | 2025-07-16 08:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Approved Lender Exception: Exception to allow "XXXX". per guideline, XXXX is not an acceptable property type. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-- Per lender guides under "property types" program 5000-12BS dated 5/16/2025 it states under "ineligible property types" that "XXXX" are not allowed. Lender addressed the required exception needed on the 1008 but did not have exception approved - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Waived-Approved Lender Exception: Exception to allow "XXXX". per guideline, XXXX is not an acceptable property type. - Due Diligence Vendor-07/16/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Residual income of at least $11,600.71.<br> Payment shock of 90.5%.<br> DTI of 34.307%.<br> Not income producing, Marketing time under 3 months, Conforms with neighborhood, No deficiencies nor adverse condition | EXCEPTION FORM - xxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4750366 |
| 2025050141 |  | C B A | Closed | FCRE8201 | 2025-07-08 11:40 | 2025-07-08 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception approval is required for XXXX. As per guideline, maximum allowed overdraft is 3. - Due Diligence Vendor-07/08/2025 |  | Waived-Exception approval is required for XXXX. As per guideline, maximum allowed overdraft is 3. - Due Diligence Vendor-07/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | · Residual income of at least $11,600.71. <br> · Payment shock of 90.5%. <br> · DTI of 34.307%. <br> · Not income producing, Marketing time under 3 months, Conforms with neighborhood, No deficiencies nor adverse condition.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4725583 |
| 2025050141 |  | C B A | Closed | FCRE1197 | 2025-07-08 11:39 | 2025-07-08 11:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 638 is less than Guideline FICO of 640 Exception approval is required to proceed on cashout transaction with 638 FICO. Per guideline, minimum FICO score for cashout is 640. - Due Diligence Vendor-07/08/2025 |  | Waived-Audited FICO of 638 is less than Guideline FICO of 640 Exception approval is required to proceed on cashout transaction with 638 FICO. Per guideline, minimum FICO score for cashout is 640. - Due Diligence Vendor-07/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | · Residual income of at least $11,600.71. <br> · Payment shock of 90.5%. <br> · DTI of 34.307%. <br> · Not income producing, Marketing time under 3 months, Conforms with neighborhood, No deficiencies nor adverse condition.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4725506 |
| 2025050141 |  | C B A | Closed | FCRE3874 | 2025-07-08 11:22 | 2025-07-08 11:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property located in rural area. - Due Diligence Vendor-07/08/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property located in rural area. - Due Diligence Vendor-07/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | · Residual income of at least $11,600.71. <br> · Payment shock of 90.5%. <br> · DTI of 34.307%. <br> · Not income producing, Marketing time under 3 months, Conforms with neighborhood, No deficiencies nor adverse condition.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | WA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4724595 |
| 2025050156 |  | D B A | Closed | FCRE1241 | 2025-07-07 17:55 | 2025-07-11 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Purchase Contract Is Missing Missing executed ourchase contract. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | COUNTER OFFER AND ADDENDUM TO CONTRACT.pdf<br>PURCHASE AGREEMENT (REQUIRED ON PURCH ONLY).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OR | Investment | Purchase | NA | N/A | N/A | 4713012 |
| 2025050156 |  | D B A | Closed | FCRE1479 | 2025-07-07 18:05 | 2025-07-09 10:47 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception approved to extend expiry date for income and asset documents until 6/30/25 - XXXX. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception approved to extend expiry date for income and asset documents until 6/30/25 - docs will expire 6/29/25. - Due Diligence Vendor-07/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Post closing reserves of 8.03 months. FICO of 741 is 81 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OR | Investment | Purchase | NA | Originator Pre-Close | Yes | 4714136 |
| 2025050156 |  | D B A | Closed | FVAL9739 | 2025-07-07 18:06 | 2025-07-09 10:47 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived- Exception for non-arm's length transaction. Per guideline, FSBO must be arm's length. - Due Diligence Vendor-07/07/2025 |  | Waived- Exception for non-arm's length transaction. Per guideline, FSBO must be arm's length. - Due Diligence Vendor-07/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Post closing reserves of 8.03 months. FICO of 741 is 81 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OR | Investment | Purchase | NA | Originator Pre-Close | Yes | 4714268 |
| 2025050156 |  | D B A | Closed | FCRE8946 | 2025-07-07 18:05 | 2025-07-09 10:47 | Waived | 2 - Non-Material B | Credit | Income | Income documentation expiration dates | Waived-Exception approved to extend expiry date for income and asset documents until 6/30/25 - docs will expire 6/29/25. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception approved to extend expiry date for income and asset documents until 6/30/25 - XXXX. - Due Diligence Vendor-07/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Post closing reserves of 8.03 months. FICO of 741 is 81 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OR | Investment | Purchase | NA | Originator Pre-Close | Yes | 4714135 |
| 2025050156 |  | D B A | Closed | FCRE2502 | 2025-07-07 18:03 | 2025-07-09 10:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived-Non-Arm's Length Transaction Exception required on purchase of an investment property. Non-arm's length transaction (sale between family member) but occupancy is for investment. - Due Diligence Vendor-07/07/2025 |  | Waived-Non-Arm's Length Transaction Exception required on purchase of an investment property. Non-arm's length transaction (sale between family member) but occupancy is for investment. - Due Diligence Vendor-07/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Post closing reserves of 8.03 months. FICO of 741 is 81 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | OR | Investment | Purchase | NA | Originator Pre-Close | Yes | 4713901 |
| 11100010165 |  | D A | Closed | FCRE1444 | 2025-07-08 18:34 | 2025-07-10 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit report incomplete | Resolved-LOE provided - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. Reflected on credit report. Zero balance. - Buyer-07/09/2025 <br>Open-Provide borrower LOE for credit inquiries - Due Diligence Vendor-07/08/2025 |  | Resolved-LOE provided - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.59% 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 - 15.08 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 - 22.31 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 - 22.31 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 0.14 |  | xxx Inquiries.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA | N/A | N/A | 4741272 |
| HLC2506187 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | FL | Primary Residence | Purchase | NA |  |  |  |
| 2025040128 |  | B A | Closed | FCRE1183 | 2025-07-15 12:18 | 2025-07-16 14:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Signed & Approved Exception form provided. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Missing signed and dated lender guideline exception form(page 1). - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Signed & Approved Exception form provided. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4822678 |
| 2025040128 |  | B A | Closed | FCRE1194 | 2025-07-15 12:17 | 2025-07-15 12:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 68.97% exceeds Guideline LTV of 60% #3 Lender exception for LTV exceeding 60% max for no primary residence. - Due Diligence Vendor-07/15/2025 |  | Waived-Audited LTV of 68.97% exceeds Guideline LTV of 60% #3 Lender exception for LTV exceeding 60% max for no primary residence. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | DSCR 1.12<br> C1 Property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4822652 |
| 2025040128 |  | B A | Closed | FVAL9739 | 2025-07-15 12:22 | 2025-07-15 12:22 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender exception for appraisal transfer report being "subject to" - Due Diligence Vendor-07/15/2025 |  | Waived-Lender exception for appraisal transfer report being "subject to" - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | DSCR 1.12<br> C1 Property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4822719 |
| 2025040128 |  | B A | Closed | FCRE3874 | 2025-07-15 12:03 | 2025-07-15 12:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for subject property being in rural location. - Due Diligence Vendor-07/15/2025 | Missing signed and dated guideline exception form. - 07/15/2025 <br>| Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for subject property being in rural location. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | DSCR 1.12<br> C1 property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4822397 |
| 2025060039 |  | B A | Closed | FCRE8962 | 2025-07-14 16:13 | 2025-07-15 13:12 | Waived | 2 - Non-Material B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Waived-Exception approval to allow the use of 1 months reserves of gift funds instead of 6 months based on program guideline. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception approval to allow the use of 1 months reserves of gift funds instead of 6 months based on program guideline. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% 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 0.01<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 - 5.23 Years | Current FICO is of 771 is greater than the 660 minimum FICO score exceeds minimum credit score requirement by at least 111 points. Current DTI is 31.895% below 35%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | IL | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 4811198 |
| 2025060039 |  | B A | Closed | FCRE1440 | 2025-07-14 16:13 | 2025-07-15 13:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception required approval for borrower 12 months history of rent payment for paying in cash rent for current residence. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception required approval for borrower 12 months history of rent payment for paying in cash rent for current residence. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% 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 0.01<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 - 5.23 Years | Current FICO is of 771 is greater than the 660 minimum FICO score exceeds minimum credit score requirement by at least 111 points. Current DTI is 31.895% below 35%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | IL | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4811211 |
| 2025060039 |  | B A | Closed | FCRE8201 | 2025-07-14 16:14 | 2025-07-15 13:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception approval to allow the use of 100% gift funds for reserves. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception approval to allow the use of 100% gift funds for reserves. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% 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 0.01<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 - 5.23 Years | Current FICO is of 771 is greater than the 660 minimum FICO score exceeds minimum credit score requirement by at least 111 points. Current DTI is 31.895% below 35%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | IL | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 4811228 |
| 2025060072 |  | D B A | Closed | FVAL9739 | 2025-07-17 08:40 | 2025-07-17 08:41 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Approved Lender Exception: Exception for property values in the area is declining. <br> - Due Diligence Vendor-07/17/2025 <br>Open-Subject Property is located in a Declining Market area. - Due Diligence Vendor-07/17/2025 |  | Waived-Approved Lender Exception: Exception for property values in the area is declining. <br> - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years | Post closing reserves of 23.16<br> FICO of 776 is 116 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | Originator Pre-Close | Yes | 4849329 |
| 2025060072 |  | D B A | Closed | FPRO1242 | 2025-07-14 07:11 | 2025-07-17 08:37 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Appraisal is Missing. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | N/A | N/A | 4800553 |
| 2025060072 |  | D B A | Closed | FCRE1194 | 2025-07-15 14:30 | 2025-07-15 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Exception approved to allow 75% LTV with DSCR of 0.90. as per guidelines, 2-4 units property and first time investor max LTV <br> allowed is 75% with DSCR of 1.0%. - Due Diligence Vendor-07/15/2025 |  | Waived- Exception approved to allow 75% LTV with DSCR of 0.90. as per guidelines, 2-4 units property and first time investor max LTV <br> allowed is 75% with DSCR of 1.0%. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years | Post closing reserves of 23.16. FICO of 776 is 116 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | Originator Pre-Close | Yes | 4825294 |
| 2025060072 |  | D B A | Closed | FCRE8138 | 2025-07-14 07:15 | 2025-07-15 14:27 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception approved for DSCR of 0.90. as per guidelines, DSCR should be 1.0%. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception approved for DSCR of 0.90. as per guidelines, DSCR should be 1.0%. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years | Post closing reserves of 23.16. FICO of 776 is 116 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | Originator Pre-Close | Yes | 4800591 |
| 2025060072 |  | D B A | Closed | FCRE8201 | 2025-07-14 07:20 | 2025-07-15 14:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception approval for no impounds. Per guideline, impounds are required. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception approval for no impounds. Per guideline, impounds are required. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years | Post closing reserves of 23.16. FICO of 776 is 116 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | Originator Pre-Close | Yes | 4800629 |
| 2025060072 |  | D B A | Closed | FPRO1508 | 2025-07-14 07:19 | 2025-07-15 14:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Exception approved to allow property values in the area is declining. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception approved to allow property values in the area is declining. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 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 - 16.83 Years | Post closing reserves of 23.16. FICO of 776 is 116 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Purchase | NA | Originator Pre-Close | Yes | 4800614 |
| 1081022111 |  | C A | Closed | FCRE1167 | 2025-07-15 10:57 | 2025-07-21 12:07 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $411700 is less than the minimum required coverage amount of $441000 - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.31 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 - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 695 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | ESTIMATE REPORT- xx-xx-xxxx-xx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | 4819561 |
| 2025060025 |  | B A | Closed | FCRE3874 | 2025-07-18 06:10 | 2025-07-18 16:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program SUBJECT IS DEFINED AS A RURAL PROPERTY - Due Diligence Vendor-07/18/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program SUBJECT IS DEFINED AS A RURAL PROPERTY - Due Diligence Vendor-07/18/2025<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 - 35.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 75% 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 - 6.83 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 - 32.13 Years | 1. LTV OF 43%, MAX ALLOWED IS 75%<br> 2. B1 QUALIFYING BORROWER HAS BEEN SELF EMPLOYED FOR 35 YEARS<br> 3. BORROWERS HAVE OWNED SUBJECT PROPERTY FOR 6 YEARS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4863907 |
| 2025060025 |  | B A | Closed | FCRE8201 | 2025-07-18 06:13 | 2025-07-18 16:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-LISTING SEASONING: SUBJECT PROPERTY LISTING AGREEMENT WAS TERMINATED ON xxx/xx/xx AND IS NOT <br> OUTSIDE OF 6 MONTHS REQUIRED - Due Diligence Vendor-07/18/2025 |  | Waived-LISTING SEASONING: SUBJECT PROPERTY LISTING AGREEMENT WAS TERMINATED ON xx/xx/xx AND IS NOT <br> OUTSIDE OF 6 MONTHS REQUIRED - Due Diligence Vendor-07/18/2025 | 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 - 35.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 75% 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 - 6.83 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 - 32.13 Years | 1. LTV OF 43%, MAX ALLOWED IS 75%<br> 2. B1 QUALIFYING BORROWER HAS BEEN SELF EMPLOYED FOR 35 YEARS<br> 3. BORROWERS HAVE OWNED SUBJECT PROPERTY FOR 6 YEARS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4863925 |
| 2025060025 |  | B A | Closed | FVAL2477 | 2025-07-18 06:14 | 2025-07-18 16:39 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Waived-APPRAISAL TRANSFER FROM BROKER USING PANEL APPRAISER AS OPPOSED TO xxx - Due Diligence Vendor-07/18/2025 |  | Waived-APPRAISAL TRANSFER FROM BROKER USING PANEL APPRAISER AS OPPOSED TO xxx - Due Diligence Vendor-07/18/2025 | 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 - 35.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 75% 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 - 6.83 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 - 32.13 Years | 1. LTV OF 43%, MAX ALLOWED IS 75%<br> 2. B1 QUALIFYING BORROWER HAS BEEN SELF EMPLOYED FOR 35 YEARS<br> 3. BORROWERS HAVE OWNED SUBJECT PROPERTY FOR 6 YEARS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4863929 |
| 2025060025 |  | B A | Closed | FPRO4876 | 2025-07-18 06:15 | 2025-07-18 16:39 | Waived | 2 - Non-Material B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. LOAN MOD/DEFERMENT WITHIN THE MOST RECENT 48 MONTHS – (DUE TO NATURAL DISASTER) - Due Diligence Vendor-07/18/2025 |  | Waived-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. LOAN MOD/DEFERMENT WITHIN THE MOST RECENT 48 MONTHS – (DUE TO NATURAL DISASTER) - Due Diligence Vendor-07/18/2025<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 - 35.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 75% 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 - 6.83 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 - 32.13 Years | 1. LTV OF 43%, MAX ALLOWED IS 75%<br> 2. B1 QUALIFYING BORROWER HAS BEEN SELF EMPLOYED FOR 35 YEARS<br> 3. BORROWERS HAVE OWNED SUBJECT PROPERTY FOR 6 YEARS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4863936 |
| 2025060025 |  | B A | Closed | FPRO1508 | 2025-07-18 06:17 | 2025-07-18 16:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-SUBJECT IS ZONED AGRICULTURAL - Due Diligence Vendor-07/18/2025 |  | Waived-SUBJECT IS ZONED AGRICULTURAL - Due Diligence Vendor-07/18/2025<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 - 35.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 75% 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 - 6.83 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 - 32.13 Years | 1. LTV OF 43%, MAX ALLOWED IS 75%<br> 2. B1 QUALIFYING BORROWER HAS BEEN SELF EMPLOYED FOR 35 YEARS<br> 3. BORROWERS HAVE OWNED SUBJECT PROPERTY FOR 6 YEARS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | 4863949 |
| 2025060032 |  | B A | Closed | FCRE3874 | 2025-07-25 15:34 | 2025-07-25 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural zoning - Due Diligence Vendor-07/25/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural zoning - Due Diligence Vendor-07/25/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.81% 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 751 is Greater Than The Guideline Minimum Of 720 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 - 14.21 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 - 14.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 43 months reserves<br> FICO 751<br> DTI < 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | GA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4952757 |
| 2025050051 |  | D B A | Closed | FCRE5783 | 2025-08-07 12:56 | 2025-08-20 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-Missing GAP report dated within 10 days of Note/closing date for B2 xxx - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/20/2025<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 - 6.90 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 - 6.94 Years |  | CREDIT REPORT 2.pdf<br>LQCC - Co Borrower.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5095870 |
| 2025050051 |  | D B A | Closed | FVAL5524 | 2025-08-07 14:04 | 2025-08-07 14:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Lender exception #5: XXXX exceeds max allowed of 10 acres. - Due Diligence Vendor-08/07/2025 |  | Waived-Lender exception #5: XXXX exceeds max allowed of 10 acres. - Due Diligence Vendor-08/07/2025 | 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 - 6.90 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 - 6.94 Years | Housing expense < 37%<br> Subject has no physical deficiencies or adverse conditions<br> Property conforms with neighborhood. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5097435 |
| 2025050051 |  | D B A | Closed | FCRE1198 | 2025-08-07 05:14 | 2025-08-07 14:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 7.71 are less than Guideline Required Reserves of 9 Lender Exception #6: 7 months reserves instead of 9 months based on program guidelines. - Due Diligence Vendor-08/07/2025 |  | Waived-Audited Reserves of 7.71 are less than Guideline Required Reserves of 9 Lender Exception #6: 7 months reserves instead of 9 months based on program guidelines. - Due Diligence Vendor-08/07/2025<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 - 6.90 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 - 6.94 Years | Housing Expense below 37%<br> Subject has no physical deficiencies or adverse conditions<br> Property conforms with neighborhood |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5088336 |
| 2025050051 |  | D B A | Closed | FCRE1197 | 2025-08-07 05:14 | 2025-08-07 14:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 614 is less than Guideline FICO of 640 Lender exception # 2: Co-borrower's FICO of 614 not meeting the minimum requirement of 640 - Due Diligence Vendor-08/07/2025 |  | Waived-Audited FICO of 614 is less than Guideline FICO of 640 Lender exception # 2: Co-borrower's FICO of 614 not meeting the minimum requirement of 640 - Due Diligence Vendor-08/07/2025<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 - 6.90 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 - 6.94 Years | Housing Expense below 37%<br> Subject has no physical deficiencies or adverse conditions<br> Property conforms with neighborhood |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5088335 |
| 2025050051 |  | D B A | Closed | FCRE3874 | 2025-08-07 05:14 | 2025-08-07 14:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception # 1: Exception for Rural zoned property - Due Diligence Vendor-08/07/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception # 1: Exception for Rural zoned property - Due Diligence Vendor-08/07/2025<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 - 6.90 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 - 6.94 Years | Housing Expense below 37%<br> Subject has no physical deficiencies or adverse conditions<br> Property conforms with neighborhood |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5088344 |
| 2025050051 |  | D B A | Closed | FCRE1004 | 2025-08-07 14:00 | 2025-08-07 14:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception # 3: Loan modification seasoning < 48 months - Due Diligence Vendor-08/07/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception # 3: Loan modification seasoning < 48 months - Due Diligence Vendor-08/07/2025<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 - 6.90 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 - 6.94 Years | Housing expense < 37%<br> Subject property has no physical deficiencies or adverse conditions. <br> Property conforms with neighborhood. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5097289 |
| 2025050051 |  | D B A | Closed | FVAL9739 | 2025-08-07 05:20 | 2025-08-07 13:57 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender exception #4: Approve the subject property currently being used as a wedding venue. - Due Diligence Vendor-08/07/2025 |  | Waived-Lender exception #4: Approve the subject property currently being used as a wedding venue. - Due Diligence Vendor-08/07/2025<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 - 6.90 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 - 6.94 Years | Housing Expense below 37%<br> Subject has no physical deficiencies or adverse conditions<br> Property conforms with neighborhood |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | VA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5088356 |
| 2025060119 |  | D B A | Closed | FCRE1145 | 2025-08-07 11:49 | 2025-08-12 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Open-Title Document is missing Missing title commitment - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-08/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.81 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 - 6.41 Years |  | PRELIM TITLE REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | AZ | Investment | Refinance | Cash Out - Other | N/A | N/A | 5094464 |
| 2025060119 |  | D B A | Closed | FCRE1004 | 2025-08-07 11:42 | 2025-08-07 11:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception for housing event less than 48 months ago. - Due Diligence Vendor-08/07/2025 | Modification on existing mortgage being paid off < 24 months (page 34) - 08/07/2025 <br>| Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception for housing event less than 48 months ago. - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.81 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 - 6.41 Years | DSCR 1.15<br> 23+ post closing reserves<br> Experienced Investor<br> 0x30x12 on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | AZ | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5094249 |
| 2025060119 |  | D B A | Closed | FCRE8712 | 2025-08-07 05:44 | 2025-08-07 11:37 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-CLIENT DOES NOT HAVE 2 MONTHS PROOF OF RENT RECEIPT—LEASE AGREEMENT ONLY. Use of higher rent amount than 1007 amount causing DSCR > 1.0 - Due Diligence Vendor-08/07/2025 |  | Waived-CLIENT DOES NOT HAVE 2 MONTHS PROOF OF RENT RECEIPT—LEASE AGREEMENT ONLY. Use of higher rent amount than 1007 amount causing DSCR > 1.0 - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.81 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 - 6.41 Years | DSCR 1.15<br> 23+ MOS POST CLOSING RESERVES<br> EXPERIENCED INVESTOR<br> 0X3012 ON ALL MORTGAGES |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | AZ | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5088422 |
| 11100010185 |  | D A | Closed | FCRE2109 | 2025-08-08 12:14 | 2025-08-11 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached, which was in the loan file. - Buyer-08/10/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/08/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 6 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 0.11 |  | xxx Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $xxx | CA | Primary Residence | Purchase | NA | N/A | N/A | 5112635 |
| 2025060169 |  | C B A | Closed | FCRE1194 | 2025-08-14 15:14 | 2025-08-21 15:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% - Due Diligence Vendor-08/21/2025 <br>Counter-Missing E-signed Approved Exception form. the one provided is not signed. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 65% Missing lender exception for Interest Only No Ratio loan according to approval GFE 5000- No ratio and according to lender guidelines page 428, also minimum credit score is 680 for IO. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Waived-Exception granted with supporting comp factors: EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% - Due Diligence Vendor-08/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | MD | Investment | Purchase | NA | Originator Pre-Close | Yes | 5182828 |
| 2025060169 |  | C B A | Closed | FCRE1197 | 2025-08-14 15:00 | 2025-08-21 15:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with supporting comp factors: EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% <br> - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Counter-Missing E-signed Approved Exception form. the one provided is not signed. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-Audited FICO of 650 is less than Guideline FICO of 680 Lender Exception for credit score but is unsigned and undated. (page 1) - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Waived-Exception granted with supporting comp factors: EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% <br> - Due Diligence Vendor-08/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Post closing reserves exceeds 4 month minimum. <br> Self employment more than 12 years | EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | MD | Investment | Purchase | NA | Originator Pre-Close | Yes | 5182501 |
| 2025070016 |  | B A | Closed | FCRE1492 | 2025-08-14 10:03 | 2025-08-14 10:03 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception for Refinance Cash Out seasoning requirement. Deed transfer was dated xx/xx/xx which is less than 6 months from the application date. - Due Diligence Vendor-08/14/2025 |  | Waived-Exception for Refinance Cash Out seasoning requirement. Deed transfer was dated xx/xx/xx which is less than 6 months from the application date. - Due Diligence Vendor-08/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.11<br> 2. Credit Score is 688, minimum required is 660.<br> 3. Post-closing reserves is 46.17 months which program required 2 mos |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5175833 |
| 2025070016 |  | B A | Closed | FVAL9739 | 2025-08-14 10:03 | 2025-08-14 10:03 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception to use appraised value for LTV calculation. Property was acquired xx/xx/xx per guideline use the lower of acquisition price and market value if property was owned less than 12 months. <br> - Due Diligence Vendor-08/14/2025 |  | Waived-Exception to use appraised value for LTV calculation. Property was acquired xx/xx/xx per guideline use the lower of acquisition price and market value if property was owned less than 12 months. <br> - Due Diligence Vendor-08/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.11<br> 2. Credit Score is 688, minimum required is 660.<br> 3. Post-closing reserves is 46.17 months which program required 2 mos |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5175826 |
| 2025070016 |  | B A | Closed | FCRE0360 | 2025-08-14 10:02 | 2025-08-14 10:02 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception required to use account history, note and mortgage statement in lieu of VOM for the $xxx lien from FCI lender for the subject property - Due Diligence Vendor-08/14/2025 |  | Waived-Exception required to use account history, note and mortgage statement in lieu of VOM for the $xxx lien from FCI lender for the subject property - Due Diligence Vendor-08/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.11<br> 2. Credit Score is 688, minimum required is 660.<br> 3. Post-closing reserves is 46.17 months which program required 2 mos |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5175812 |
| 2025070016 |  | B A | Closed | FCRE1199 | 2025-08-14 10:01 | 2025-08-14 10:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception for Transaction exceeded the allowed aggregate financed amount of $xxx and the number of loans financed (xxx loans). - Due Diligence Vendor-08/14/2025 |  | Waived-Exception for Transaction exceeded the allowed aggregate financed amount of $xx and the number of loans financed (xx loans). - Due Diligence Vendor-08/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.11<br> 2. Credit Score is 688, minimum required is 660.<br> 3. Post-closing reserves is 46.17 months which program required 2 mos |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5175797 |
| 2025070016 |  | B A | Closed | FCRE3874 | 2025-08-14 09:57 | 2025-08-14 09:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for subject property is located in rural area - Due Diligence Vendor-08/14/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for subject property is located in rural area - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.11<br> 2. Credit Score is 688, minimum required is 660.<br> 3. Post-closing reserves is 46.17 months which program required 2 mos |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $xxx | TX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5175718 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025020005 |  |  | $xxx B A |
| 82503460 |  |  | $xxx D A |
| 2025030179 |  |  | $xxx B A |
| 82503392 |  |  | $xxx A C |
| 82503149 |  |  | $xxx D A C B |
| 82504181 |  |  | $xxx A |
| 1081021176 |  |  | $xxx A |
| 82504378 |  |  | $xxx A |
| 82503470 |  |  | $xxx A |
| 1081021192 |  |  | $xxx A D |
| 1081021423 |  |  | $xxx D A C |
| 11100009761 |  |  | $xxx A D |
| D014266 |  |  | $xxx A |
| 82504199 |  |  | $xxx A C |
| 1081020825 |  |  | $xxx A |
| 1081021291 |  |  | $xxx A |
| HLC2504866 |  |  | $xxx D A |
| HLC2504864 |  |  | $xxx D A |
| 82503473 |  |  | $xxx D A |
| 82504042 |  |  | $xxx D A B |
| 82504054 |  |  | $xxx B A |
| 82504332 |  |  | $xxx D A |
| 82504103 |  |  | $xxx C D A B |
| 11100009619 |  |  | $xxx A |
| 1081021075 |  |  | $xxx D A |
| 220250417635 |  |  | $xxx D A B |
| 82504397 |  |  | $xxx A |
| 82504256 |  |  | $xxx C A B |
| 25272794 |  |  | $xxx A |
| 11100009901 |  |  | $xxx A |
| 11100009946 |  |  | $xxx A |
| 82504194 |  |  | $xxx A |
| 82504411 |  |  | $xxx A |
| 11100009796 |  |  | $xxx A |
| D014482 |  |  | $xxx A |
| 101250413009 |  | xxx | $xxx A |
| 2025030186 |  |  | $xxx B A |
| 1081021445 | xxx |  | $xxx A |
| 82504540 |  |  | $xxx A |
| 82504556 |  |  | $xxx A |
| 82503526 |  |  | $xxx D A |
| 411250420205 |  |  | $xxx D A |
| 82504554 |  |  | $xxx A |
| 82504580 |  |  | $xxx D A |
| 82504581 |  |  | $xxx A |
| 82503574 |  |  | $xxx A |
| 82504638 |  |  | $xxx A |
| 82505158 |  |  | $xxx B A |
| 82504464 |  |  | $xxx D A |
| 82504523 |  |  | $xxx A |
| 82504525 |  |  | $xxx D A |
| 82504346 |  |  | $xxx D A |
| 11100009690 |  |  | $xxx A |
| 11100009886 |  |  | $xxx A |
| 11100009817 |  |  | $xxx C A |
| 62501055 |  |  | $xxx D A |
| 82503585 |  |  | $xxx D A |
| 82504677 |  |  | $xxx D A |
| 82504683 |  |  | $xxx A |
| 82504596 |  |  | $xxx D A |
| 82505099 |  |  | $xxx A |
| W003155 |  |  | $xxx A |
| 217250316059 |  |  | $xxx A |
| 82504101 |  |  | $xxx A D |
| 11100009887 |  |  | $xxx A |
| 11100009852 |  |  | $xxx A |
| 1081021492 |  |  | $xxx D A |
| 11100010163 |  |  | $xxx D A |
| 11100009818 |  |  | $xxx C A |
| 1081021665 |  |  | $xxx D B A |
| 11100009856 |  |  | $xxx A |
| 11100010175 |  |  | $xxx A |
| JET25030159 |  |  | $xxx A |
| JET25040280 |  |  | $xxx A C |
| JET25040628 |  |  | $xxx D A |
| 11100009900 |  |  | $xxx A |
| W003170 |  |  | $xxx A |
| 11100010115 |  |  | $xxx C A B |
| W003206 |  |  | $xxx A |
| D014332 |  |  | $xxx A |
| 4191250520830 |  |  | $xxx A |
| 2025050059 |  |  | $xxx D A B |
| VIS2504938 |  |  | $xxx D A |
| 1081022007 |  |  | $xxx D A |
| 2025030182 |  |  | $xxx C A B |
| 11100010103 |  |  | $xxx A |
| WMD2505991 |  |  | $xxx D A |
| 11100010195 |  |  | $xxx A |
| D014600 |  |  | $xxx A |
| D014760 |  |  | $xxx D A |
| 4901250521546 |  |  | $xxx C A |
| 1000102262 |  |  | $xxx C D A |
| 11100010326 |  |  | $xxx C A |
| 11100009954 |  |  | $xxx A |
| 2025050148 |  |  | $xxx C A |
| KNS2505X211640 |  |  | $xxx A |
| 2025050116 |  |  | $xxx B C A |
| 2025050163 |  |  | $xxx A D |
| D015269 |  |  | $xxx A |
| 2025040173 |  |  | $xxx C A B |
| 2025050141 |  |  | $xxx C A B |
| 2025050156 |  |  | $xxx D A B |
| 11100010165 |  |  | $xxx D A |
| HLC2506187 |  |  | $xxx A |
| 2025040128 |  |  | $xxx B A |
| 2025060039 |  |  | $xxx B A |
| 2025060072 |  |  | $xxx B A D |
| 1081022111 |  |  | $xxx C A |
| 2025060025 |  |  | $xxx B A |
| 2025060032 |  |  | $xxx B A |
| 2025050051 |  |  | $xxx D A B |
| 2025060119 |  |  | $xxx D A B |
| 11100010185 |  |  | $xxx D A |
| 2025060169 |  |  | $xxx C A B |
| 2025070016 |  |  | $xxx B A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025020005 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 02-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2025 Eligible |  |  |
| 82503460 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-03-2025 Eligible |  |  |
| 2025030179 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82503392 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82503149 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 64.99 | 64.99 | xxx | -200000 | -.1818 | Desk Review |  |  |  |  | xxx | 0 | .0000 | 04-21-2025 | Other |  |  |  |  |  |  |  |  | xxx | -200000 | -.1818 | xxx | High Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |
| 82504181 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021176 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 82504378 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82503470 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2025 Eligible |  |  |
| 1081021192 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | 01-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021423 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-07-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 Eligible | 1.1 | 01-21-2025 |
| 11100009761 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| D014266 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504199 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.28 | 80.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 1081020825 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021291 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 Eligible | 1 | 04-09-2025 |
| HLC2504866 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 Eligible | 1 |  |
| HLC2504864 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 82503473 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-30-2025 Eligible |  |  |
| 82504042 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 Eligible | 1 | 05-05-2025 |
| 82504054 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 79.87 | 79.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 82504332 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504103 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009619 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 63.92 | 72.26 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021075 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | -56000 | -.0887 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -56000 | -.0887 | xxx | Moderate Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 220250417635 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-16-2025 Eligible | 1 | 04-16-2025 |
| 82504397 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 Eligible | 1 | 04-29-2025 |
| 82504256 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-02-2025 |
| 25272794 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-02-2025 |
| 11100009901 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009946 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low RisK | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504194 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-18-2025 |
| 82504411 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx |  |  |  |  |  |  |  | xxx | 0 | .0000 | 05-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009796 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| D014482 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 66.67 | 66.67 | xxx | -15000 | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -15000 | -.0833 | xxx | Moderate Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 101250413009 |  | xxx | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 64.97 | 64.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025030186 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021445 | xxx |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504540 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-08-2025 Eligible | 1 | 05-08-2025 |
| 82504556 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 74.71 | 74.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82503526 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 |
| 411250420205 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504554 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-09-2025 Eligible | 1.5 | 05-09-2025 |
| 82504580 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2025 |
| 82504581 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-02-2025 Eligible | 1 | 05-02-2025 |
| 82503574 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 Eligible |  |  |
| 82504638 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-07-2025 Eligible | 1 | 05-07-2025 |
| 82505158 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-08-2025 Eligible | 1 | 05-08-2025 |
| 82504464 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 53.5 | 53.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 82504523 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 71.88 | 71.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 |
| 82504525 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 69.19 | 69.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-05-2025 |
| 82504346 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2025 Eligible | 1.1 | 05-05-2025 |
| 11100009690 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009886 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009817 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 73.95 | 73.95 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62501055 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 82503585 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 74.79 | 74.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 82504677 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504683 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82504596 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 82505099 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-12-2025 |
| W003155 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217250316059 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-28-2025 Eligible |  |  |
| 82504101 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | Other | xxx | 67.89 | 67.89 | xxx | 50000 | .0286 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 50000 | .0286 | xxx | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009887 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009852 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021492 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 69.23 | 69.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100010163 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009818 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021665 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | REASONABLE | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009856 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100010175 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| JET25030159 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 68.68 | 68.68 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| JET25040280 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| JET25040628 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 68.18 | 68.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 Eligible | 1 | 05-09-2025 |
| 11100009900 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 79.71 | 79.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| W003170 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 78.93 | 78.93 | xxx | 5000 | .0133 | Collateral Underwriter (CU) |  |  |  |  | xxx | 5000 | .0133 | 05-09-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 11100010115 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| W003206 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| D014332 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4191250520830 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 Eligible |  |  |
| 2025050059 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| VIS2504938 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081022007 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-29-2025 |
| 2025030182 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 22.73 | 22.73 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100010103 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WMD2505991 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-21-2025 |
| 11100010195 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | -3000 | -.0207 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -3000 | -.0207 | xxx | Moderate Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| D014600 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-27-2025 |
| D014760 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4901250521546 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000102262 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 03-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100010326 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1073 Individual Condo Report | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11100009954 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 84.35 | 84.35 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025050148 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 74.42 | 74.42 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| KNS2505X211640 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 2025050116 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 49.13 | 49.13 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-05-2025 |
| 2025050163 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| D015269 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 69.7 | 69.7 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025040173 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 53.46 | 53.46 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025050141 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 66.36 | 66.36 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025050156 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 11100010165 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HLC2506187 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 44.78 | 44.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-25-2025 |
| 2025040128 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 68.97 | 68.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025060039 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 |
| 2025060072 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081022111 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025060025 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 40.54 | 40.54 | xxx | -100000 | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -100000 | -.0541 | xxx | Moderate Risk | 07-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-07-2025 |
| 2025060032 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 79.83 | 79.83 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025050051 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 64.35 | 64.35 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |
| 2025060119 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-23-2025 Eligible |  |  |
| 11100010185 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025060169 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-23-2025 |
| 2025070016 |  |  | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-30-2025 |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-NQM5**

**By Clarifii LLC on October 28, 2025**

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

![](ex99-4_001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 77 loans (the "Loans") and these loans were subsequently acquired by PRP VI AIV Holdings, LLC (the "Client") for the PRPM 2025-NQM5 transaction. The loans referenced in this narrative report were reviewed 05/2025 through 09/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;$1500000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;$2594875.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;$2072250.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;68 | &nbsp;&nbsp;88.31% | &nbsp;&nbsp;$41817056.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

The Review consisted of a population of 77 loans, with an aggregate principal balance of $47,984,181.00.

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

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

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

**LOAN SAMPLING**

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

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

![](ex99-4_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |

---

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 3

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |

---

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 4

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 5

![](ex99-4_001.jpg)

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 6

![](ex99-4_001.jpg)

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 7

![](ex99-4_001.jpg)

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 8

![](ex99-4_001.jpg)

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 9

![](ex99-4_001.jpg)

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 10

![](ex99-4_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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- 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.

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

---

| | |
|:---|:---|
| **·** | **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** |
|  | Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants. |

---

---

| | |
|:---|:---|
| · | **Uniform Standards of Professional Appraisal Practice (USPAP)** |
|  | Clarifii confirmed the appraiser's certification is present and executed within the original appraisal. |

---

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or<br> Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

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![](ex99-4_001.jpg)

---

| | |
|:---|:---|
| **B** | The loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| **C** | The loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;83.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;$194225.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.70% | &nbsp;&nbsp;$47789956.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;37 | &nbsp;&nbsp;48.05% | &nbsp;&nbsp;$24493679.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;$641600.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;38 | &nbsp;&nbsp;49.35% | &nbsp;&nbsp;$22848902.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;22 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$15144150.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;55 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$32840031.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$47984181.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

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**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.49% | &nbsp;&nbsp;$4096000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;72 | &nbsp;&nbsp;93.51% | &nbsp;&nbsp;$43888181.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47984181.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;61 | &nbsp;&nbsp;93.44% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;38 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;61 | &nbsp;&nbsp;93.44% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;75 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 20

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;73 | &nbsp;&nbsp;95.89% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;71 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;55 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;61 | &nbsp;&nbsp;88.52% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;49 | &nbsp;&nbsp;91.84% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;42 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 21

![](ex99-4_001.jpg)

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

PRPM 2025-NQM5 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 0025-897361 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 8.149 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 837087 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | Yes | Present |
| 836999 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 8.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| WS250219101 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| WS250419843 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| WS250419841 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| W003171 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| WS250419832 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 838206 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 0225-900035 |  |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  | 8.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| WS250419729 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Employed |  | No |  | Yes | Present |
| 110100006949 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No |  | 7.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100006418 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100005412 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 110100006866 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| WS250419794 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007787 |  |  | XX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100007784 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| W002777 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| WS250419857 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Employed |  | No |  | Yes | Present |
| 110100007138 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 8.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 420200004377 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007711 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007384 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007380 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| W003226 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007737 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 8.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Not Employed | Employed | No | No | No |  |
| 110100007948 |  |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  | 8.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100007826 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100008287 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007526 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes | Yes | Yes | Present |
| 110100007400 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100008045 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 7.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Not Employed | Employed | No | No | No |  |
| WS250419758 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100008421 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | Yes | Present |
| 110100008052 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 110100008262 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100007164 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 7.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100009003 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100009368 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007735 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 110100009245 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  | 8.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100008812 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100007127 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 7.615 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Not Employed | Employed | No | No | No |  |
| 110100008589 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 841050 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No |  | 7.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100008354 |  |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  | 8.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100008274 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  | 10.113 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 1125026847 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No |  | 7.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| WS250520122 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100008776 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No |  | 9.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Not Employed | Employed | No | No | No |  |
| 110100008135 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 8.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100009201 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 7.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100009530 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | Yes | Present |
| 2000011140 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 110100007984 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No |  | 9.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100008629 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  | 9.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| WS250620398 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100008897 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  | 8.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100009845 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 110100009784 |  |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | Yes | Employed | Employed | No | No | No |  |
| WS250419913 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100009986 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed |  | No |  | No |  |
| WS250620345 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100009886 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  | 7.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100011126 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100010481 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No |  | 7.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100009625 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100006452 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No |  | 7.525 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100010089 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Employed |  | No |  | Yes | Present |
| 110100010946 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes |  | 8.464 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100010105 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 7.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100010855 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 110100007914 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100007982 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100010042 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  | 7.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100007547 |  |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  | 8.604 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| 110100010661 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 110100009916 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes |  | 8.75 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 110100011029 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100011270 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 8.075 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Not Employed |  | No |  | No |  |
| 110100010790 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  | 9.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed | Employed | No | No | No |  |
| 110100011327 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100007231 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 110100009073 |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | Employed |  | No |  | Yes | Present |
| 110100012386 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No |  | 9.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100012567 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  | 7.941 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed | Employed | No | No | No |  |
| 110100013672 |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  | 7.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100012083 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  | 8.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 110100012825 |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes |  | 8.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| W003171 |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 0225-900035 |  |  | XX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 110100006418 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 16.99 | 6.00 | Verified per asset documents in the file. |
| 110100006418 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per the asset documents in the file. |
| 110100005412 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 110100005412 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Tape amount includes amount that was wired for closing; audited amount matches 1003 |
| 110100005412 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 44.92 | 92.00 | based on audited assets |
| 110100005412 |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.612 | 1.6049 | Lender used incorrect HOI |
| 110100007787 |  |  | XX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| 110100007787 |  |  | XX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documentation |
| 110100007784 |  |  | XX | Qualifying FICO | creditLiabilitiesPage | 690 | 689 | per credit report |
| 110100007784 |  |  | XX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| W002777 |  |  | XX | Interest Rate | notePage | 8.125 | 0.0812 | Per Note |
| W002777 |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 110100007380 |  |  | XX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| 110100008287 |  |  | XX | Index | notePage | 4.3062 | 4.3130 | Per Note |
| 110100008287 |  |  | XX | ARM Subsequent Interest Rate Cap | notePage | 1 | 2.0000 | Per Note |
| 110100008045 |  |  | XX | Qualifying FICO | creditLiabilitiesPage | 780 | 730 | per the credit report, guidelines states to use primary wage earner. |
| 110100008262 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per asset statements |
| 110100008262 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 43.21 | 60.00 | Per asset statements |
| 110100008812 |  |  | XX | Qualifying FICO | creditLiabilitiesPage | 813 | 808 | per credit report |
| 110100008812 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.56 | 39.13 | Lender used wrong PI payment |
| 841050 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.85 | 49.70 | Income per 1003, tape source unknown. |
| 1125026847 |  |  | XX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 1125026847 |  |  | XX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| 110100008776 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 11.95 | 14.00 | per audited assets |
| 110100008776 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per audited assets |
| 110100008135 |  |  | XX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| 110100008135 |  |  | XX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | per audited expense and rent income for reo |
| 110100008629 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 17.56 | 40.00 | per verified assets |
| 110100009845 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Final CD |
| 110100009845 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per asset statements |
| 110100009784 |  |  | XX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income. |
| 110100009784 |  |  | XX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income. |
| 110100009784 |  |  | XX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 110100009986 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 11.8 | 27.00 | CD requires more cash to close than 1008 shows in verified assets matching audit findings. |
| 110100011126 |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.573 | 1.2584 | Audit used XXXX - lender calc not provided |
| 110100009625 |  |  | XX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| 110100006452 |  |  | XX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 110100010089 |  |  | XX | Prepayment Penalty Total Term | notePage | 0 | 36 | No PPP per final CD and per lender. |
| 110100010089 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| 110100010089 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 13.93 | 41.00 | per audited asset |
| 110100010089 |  |  | XX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per audited assets |
| 110100007914 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 0.71 | 4.00 | per audited assets |
| 110100007982 |  |  | XX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| 110100007982 |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 2.209 | 2.2923 | Capping the market rent at 120% of the actual rent |
| 110100010042 |  |  | XX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per audited income. |
| 110100010042 |  |  | XX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per audited income. |
| 110100010042 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.25 | 20.15 | Audit calculated a lower income |
| 110100007547 |  |  | XX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| 110100011327 |  |  | XX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documentation |
| 110100011327 |  |  | XX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documentation |
| 110100011327 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.96 | 36.80 | Total income/ total debts. Variance due to lower income. |
| 110100013672 |  |  | XX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Lender included transfers audit removed. |
| 110100013672 |  |  | XX | Borrower 1 Qualifying Income | employmentIncomePage | 45120.27 | 48594.86 | Audit calculated lower income. |
| 110100013672 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.81 | 46.24 | Audit calculated lower income. |
| 110100012083 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.49 | 36.61 | Audit calc. lower income |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 0025-897361 |  | B A | Closed | FCOM5135 | 2025-05-02 15:09 | 2025-05-02 15:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 692 ; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 121 Months of reserves; 0 months reserves required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | DE | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |  |
| 837087 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | CA | Investment | Purchase | NA |  |  |  |
| 836999 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA |  |  |  |
| WS250219101 |  | C A | Closed | FCRE1254 | 2025-05-08 14:07 | 2025-05-13 15:49 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Quitclaim Deed. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-05/XX/2025 <br>Open-Property Title Issue File is missing "Fully Executed" Quit-Claim to INDIVIDUALS - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. - Seller-05/XX/2025<br>| Resolved-Received Quitclaim Deed. - Due Diligence Vendor-05/XX/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 27 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 295 Months Minimum Credit History = 24 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | PA | Investment | Refinance | Cash Out - Other | N/A | N/A |  |
| WS250419843 |  | D A | Closed | FPRO1253 | 2025-05-13 14:01 | 2025-05-15 08:54 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA provided with low risk. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-05/XX/2025 <br>Open-CU score in file was 3.2 and did not support the appraised value. A secondary valuation is required. Additionally, the address on the CU was inaccurate with a unit number of #2 2 vs. #2. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. - Seller-05/XX/2025<br>| Resolved-CDA provided with low risk. - Due Diligence Vendor-05/XX/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20 with min required of .75<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| WS250419841 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| W003171 |  | C A | Closed | FCRE8201 | 2025-05-12 14:37 | 2025-05-16 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received payoff, extension fee and extension. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. those are extension fees , all of this documentation is in the package - Seller-05/XX/2025 <br>Counter-Per the Payoff provided, subject was 30 days late at closing per the per diem payoff of P&I and $12,706.46 in unpaid fees. Please provide clarification. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. this is not required by the DSCR specific guidelines - Seller-05/XX/2025 <br>Open-Mortgage that was paid off was not reporting on the credit report. Per guidelines copy of the note with the terms was required. Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. those are extension fees , all of this documentation is in the package - Seller-05/XX/2025 <br>Ready for Review-Document Uploaded. this is not required by the DSCR specific guidelines - Seller-05/XX/2025<br>| Resolved-Received payoff, extension fee and extension. - Due Diligence Vendor-05/XX/2025<br>| DSCR % greater than 1.20 - DSCR = 1.303<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 691; minimum score 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |  |
| W003171 |  | C A | Closed | FCRE4963 | 2025-05-09 08:52 | 2025-05-16 13:29 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received acceptable payoff. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-05/XX/2025 <br>Counter-Payoff reflects unpaid fees of $12,706.46-acceptable confirmation of source of charges. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-05/XX/2025 <br>Open-Missing payoff for subject. Subject mortgage not report on credit report requires payoff statement that reflects late fees, deferred balance, or delinquent interest are subject to housing history and/or credit event criteria - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. - Seller-05/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-05/XX/2025<br>| Resolved-Received acceptable payoff. - Due Diligence Vendor-05/XX/2025<br>| DSCR % greater than 1.20 - DSCR = 1.303<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 691; minimum score 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |  |
| WS250419832 |  | C A | Closed | FCRE8013 | 2025-05-14 08:52 | 2025-05-15 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Sales price reflected on the final CD and closing instructions. - Due Diligence Vendor-05/XX/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. File is missing Addendum for Final Purchase Price of $xx - Due Diligence Vendor-05/XX/2025 |  | Resolved-Sales price reflected on the final CD and closing instructions. - Due Diligence Vendor-05/XX/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 49 Months Required = 12 months<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | MI | Investment | Purchase | NA | N/A | N/A |  |
| 838206 |  | D A | Closed | FCRE1325 | 2025-05-21 10:15 | 2025-05-22 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CTEC confirmation provided. - Due Diligence Vendor-05/XX/2025 <br>Open-Borrower 1 CPA Letter Missing CTEC license not provided. CTEC certification from California (e.g., screenshot of CTEC web site) - Due Diligence Vendor-05/XX/2025 |  | Resolved-CTEC confirmation provided. - Due Diligence Vendor-05/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 80%; max 85%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 0225-900035 |  | D A | Closed | FCRE1254 | 2025-05-21 14:39 | 2025-05-30 11:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated title with Item 8,12,13 and no issue. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. Please review the revised Title. - Seller-05/XX/2025 <br> Open-Property Title Issue Title document the following that must be satisfied, but is not reflected on the final CD: #8 Delinquent Taxes iao $79.84; #12 interest and penalties iao $58.69; #13 Lien from xx $1190.00. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Please review the revised Title. - Seller-05/XX/2025<br>| Resolved-Received updated title with Item 8,12,13 and no issue. - Due Diligence Vendor-05/XX/2025<br>| Long term residence - B1 living in primary home for 8 years. <br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 44 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 0225-900035 |  | D A | Closed | FCRE5782 | 2025-05-21 15:33 | 2025-05-29 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Please review the Gap Credit Report. - Seller-05/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing File missing GAP report. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Please review the Gap Credit Report. - Seller-05/XX/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-05/XX/2025<br>| Long term residence - B1 living in primary home for 8 years. <br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 44 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| WS250419729 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 110100006949 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | FL | Primary Residence | Purchase | NA |  |  |  |
| 110100006418 |  | C B A | Closed | FCRE0108 | 2025-05-22 13:27 | 2025-05-29 17:19 | Resolved | 1 - Information C A | Credit | Insurance | XXX Coverage not met | Resolved-Received sufficient fidelity coverage. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. Copy of master ins policy attached reflecting sufficient Fidelity coverage for subject property - Seller-05/XX/2025 <br> Open-XXX Coverage not met. Missing evidence of required Fidelity Insurance. Subject property is a condo. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Copy of master ins policy attached reflecting sufficient Fidelity coverage for subject property - Seller-05/XX/2025<br>| Resolved-Received sufficient fidelity coverage. - Due Diligence Vendor-05/XX/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.99 months, guidelines require 0 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 817, guideline minimum is 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | SC | Investment | Purchase | NA | N/A | N/A |  |
| 110100006418 |  | C B A | Closed | FCRE9996 | 2025-05-22 13:53 | 2025-05-22 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted to allow 0% of the total units have been conveyed to the unit owners, Non-material waiver applied with comp factors. non-material due to Per HOA, project declarant/developer passed 4 years ago and estate just got out of probate. Ownership should be turned over in 2026. - Due Diligence Vendor-05/XX/2025 <br>Open-0% of total units have been conveyed to unit owners in an established condo project. Exception form in the file. - Due Diligence Vendor-05/XX/2025 |  | Waived-Originator exception granted to allow 0% of the total units have been conveyed to the unit owners, Non-material waiver applied with comp factors. non-material due to Per HOA, project declarant/developer passed 4 years ago and estate just got out of probate. Ownership should be turned over in 2026. - Due Diligence Vendor-05/XX/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 16.99 months, guidelines require 0 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 817, guideline minimum is 660. | Long Term Homeowner. Minimal Consumer Debt. FICO > 10pts above requirement |  | ATR/QM: Exempt | ATR/QM: Exempt |  | SC | Investment | Purchase | NA | Originator Post-Close | Yes |  |
| 110100005412 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | MS | Investment | Purchase | NA |  |  |  |
| 110100006866 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | TX | Investment | Purchase | NA |  |  |  |
| WS250419794 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NC | Investment | Refinance | Cash Out - Other |  |  |  |
| 110100007787 |  | D A | Closed | FCRE1173 | 2025-05-30 13:30 | 2025-06-10 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. please final attached Condo master insurance policy for building and liability coverage. thank you. - Seller-06/XX/2025 <br>Open-Missing Condo Master Insurance Policy Missing master building and liability coverage. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. please final attached Condo master insurance policy for building and liability coverage. thank you. - Seller-06/XX/2025<br>| Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 30.87 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 809 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) |  | FL | Second Home | Purchase | NA | N/A | N/A |  |
| 110100007787 |  | D A | Closed | FCRE1328 | 2025-05-30 13:51 | 2025-06-09 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-W2 income excluded from income calc and not needed to qualify. - Due Diligence Vendor-06/XX/2025 <br> Counter-1120S 2024 reflects compensation to XXXX of $55k-W2 required for complete income documentation. Original finding remains. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. HI<br>We are not using the w2 income for 2024 and borrowers still qualifies for loan therefore 2024 w2 would not be needed. I have attached a corrected income worksheet with 2023 w2 income under correct year. <br> - Seller-06/XX/2025 <br> Open-Borrower 1 W2/1099 Missing Only the 2023 W2 is provided, the 2024 W2 is not uploaded. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. HI<br>We are not using the w2 income for 2024 and borrowers still qualifies for loan therefore 2024 w2 would not be needed. I have attached a corrected income worksheet with 2023 w2 income under correct year. <br> - Seller-06/XX/2025<br>| Resolved-W2 income excluded from income calc and not needed to qualify. - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 30.87 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 809 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) |  | FL | Second Home | Purchase | NA | N/A | N/A |  |
| 110100007787 |  | D A | Closed | FCOM5135 | 2025-05-30 04:57 | 2025-06-03 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates for this file. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-hi , no affiliates on this file thank you :) - Seller-06/XX/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-05/XX/2025 | Ready for Review-hi , no affiliates on this file thank you :) - Seller-06/XX/2025<br>| Resolved-Received lender attestation to no affiliates for this file. - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 30.87 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 809 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) |  | FL | Second Home | Purchase | NA | N/A | N/A |  |
| 110100007784 |  | C A | Closed | FCOM5135 | 2025-05-30 08:34 | 2025-06-23 10:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no further documentation is needed or required. <br> - Due Diligence Vendor-06/XX/2025 |  | Resolved-Upon further review, no further documentation is needed or required. <br> - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.71 is less than the guideline max of 45.<br>Months Reserves exceed minimum required - Guides require 9 months reserves and the borrower has 13 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | TX | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007784 |  | C A | Closed | finding-3634 | 2025-05-29 17:22 | 2025-05-30 11:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Zero (0%) tolerance fees increased by $200.00 (Attorney Review Fee), resolved by $200 lender credit for increase in closing costs above legal limit. Zero (0%) tolerance fees increased by $00.20 (Points- Loan Discount) \*N/A due to rounding - Due Diligence Vendor-05/XX/2025 <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 $200.20.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>- Due Diligence Vendor-05/XX/2025 |  | Resolved-----Zero (0%) tolerance fees increased by $200.00 (Attorney Review Fee), resolved by $200 lender credit for increase in closing costs above legal limit. Zero (0%) tolerance fees increased by $00.20 (Points- Loan Discount) \*N/A due to rounding - Due Diligence Vendor-05/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.71 is less than the guideline max of 45.<br>Months Reserves exceed minimum required - Guides require 9 months reserves and the borrower has 13 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | TX | Primary Residence | Purchase | NA | N/A | N/A |  |
| W002777 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| WS250419857 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 110100007138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA |  |  |  |
| 420200004377 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | WI | Investment | Purchase | NA |  |  |  |
| 110100007711 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100007384 |  | C B A | Closed | FCRE9996 | 2025-06-05 08:58 | 2025-06-05 09:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Investor concentration exceeds guides. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025 |  | Waived-Investor concentration exceeds guides. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 78 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660. | Long term homeowner<br> Experienced investor<br> Score > 10 pts above requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |  |
| 110100007384 |  | C B A | Closed | FCRE8201 | 2025-06-05 08:48 | 2025-06-05 09:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exposure on # of mortgages exceeds guides. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025 |  | Waived-Exposure on # of mortgages exceeds guides. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 78 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660. | Long time property investor.<br> Strong cash reserves.<br> Excellent credit, 750 score, no derogs, over 20 year credit history. |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |  |
| 110100007380 |  | C B A | Closed | FVAL5474 | 2025-06-04 17:42 | 2025-06-05 08:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Condo project exceeds investor concentration. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025 |  | Waived-Condo project exceeds investor concentration. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 79 months. | Experienced Investor.<br> FICO>10 points higher than the requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |  |
| W003226 |  | C A | Closed | FCRE8201 | 2025-06-10 13:35 | 2025-06-19 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-lock provided from the lender confirming 40 year term with no I/O. - Due Diligence Vendor-06/XX/2025 <br>Counter-Received lock reflecting IN40F-guidelines required 40 w/IO. Please provide exception. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. pur investor allows for a 40 yr non interest only loan program. Please review the locks so we can get this one cleared - Seller-06/XX/2025 <br>Open-Loan is a 40 year amortization loan per matrix this requires interest only. Loan is not currently interest only - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. pur investor allows for a 40 yr non interest only loan program. Please review the locks so we can get this one cleared - Seller-06/XX/2025<br>| Resolved-lock provided from the lender confirming 40 year term with no I/O. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 694, minimum score 660.<br>Months Reserves exceed minimum required - 39.79 months PITIA reserves; 6 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100007737 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | TX | Primary Residence | Purchase | NA |  |  |  |
| 110100007948 |  | B A | Closed | FCOM5135 | 2025-06-09 15:04 | 2025-06-09 15:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 25.13 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 755 is more than 20 points higher than the guideline min of 680. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | CA | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100007826 |  | B A | Closed | FCOM5135 | 2025-06-09 16:25 | 2025-06-09 16:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 796 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.01 is less than the guideline max of 43. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | AZ | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100008287 |  | C A | Closed | FCRE3091 | 2025-06-11 14:41 | 2025-06-23 09:09 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Updated policy provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Hi , I went back into the policy provided and it coverages are listed on page 14. if you can please double check for me thank you :) - Seller-06/XX/2025 <br>Counter-Received renewal billings but not declaration confirming all coverages. Please provide most current property and liability declaration page. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. hi please see updated Condo master policy thank you :) - Seller-06/XX/2025 <br>Open-Master Policy Expiration Date of 03-07-2025 is Prior To the Transaction Date of 06-04-2025 Condo master policy provided expired 3/XX/2025 - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Hi , I went back into the policy provided and it coverages are listed on page 14. if you can please double check for me thank you :) - Seller-06/XX/2025 <br>Ready for Review-Document Uploaded. hi please see updated Condo master policy thank you :) - Seller-06/XX/2025<br>| Resolved-Updated policy provided. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768 minimum score 700.<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 110100007526 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | TX | Investment | Purchase | NA |  |  |  |
| 110100007400 |  | B A | Closed | FCRE1248 | 2025-06-12 09:46 | 2025-06-12 12:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/XX/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program - Exception Approved: Property is marked as an estate sale, which is ineligible due to possible non-arms length. Non-material, Loan is Non-Arms Length per appraisal. - Due Diligence Vendor-06/XX/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 22 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 748 is more than 20 points higher than the guideline min of 700. | -FICO>10 points above requirement.<br> - Borrower has owned their primary residence for over 2 years. |  | ATR/QM: Exempt | ATR/QM: Exempt |  | CT | Investment | Purchase | NA | Originator Post-Close | Yes |  |
| 110100008045 |  | D B A | Closed | FCRE1181 | 2025-06-13 13:37 | 2025-06-17 11:41 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of SFH. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-06/XX/2025 <br> Open-Subject Property is in Flood Zone XXXX but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. - Seller-06/XX/2025<br>| Resolved-Received Notice of SFH. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 780, guideline minimum is 620.<br>Months Reserves exceed minimum required - Verified reserves equal 19.61 months, guidelines require 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | PA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008045 |  | D B A | Closed | FCRE1164 | 2025-06-13 13:37 | 2025-06-17 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance policy. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-06/XX/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. - Seller-06/XX/2025<br>| Resolved-Received Flood Insurance policy. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 780, guideline minimum is 620.<br>Months Reserves exceed minimum required - Verified reserves equal 19.61 months, guidelines require 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | PA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008045 |  | D B A | Closed | FCOM5135 | 2025-06-12 11:10 | 2025-06-12 11:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 780, guideline minimum is 620.<br>Months Reserves exceed minimum required - Verified reserves equal 19.61 months, guidelines require 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | PA | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| WS250419758 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100008421 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100008052 |  | D A | Closed | FCRE1157 | 2025-06-16 15:04 | 2025-06-18 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Policy. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded HOI - Seller-06/XX/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Uploaded HOI - Seller-06/XX/2025<br>| Resolved-Received HOI Policy. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 32 months. <br>Borrower down payment exceeds minimum require - All down payment funds are provided by the borrower. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 110100008262 |  | D B C A | Closed | FCOM5135 | 2025-06-12 16:49 | 2025-06-23 12:11 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - 43 mths reserves; 12 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 809 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | MD | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100008262 |  | D B C A | Closed | FCRE1440 | 2025-06-16 14:06 | 2025-06-23 09:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception provided and applied to non material finding with comp factors.<br> (Exception to go from 80 ltv to 90 ltv. LTV of 90% exceeds Guideline LTV of 80% Max LTV for less than 12-month history or residing rent-free is 80%)<br> - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. The PC Exception is to go from 80 ltv to 90 ltv. The 80 ltv allows the no primary housing. These are not 2 separate issues - its cause and effect. I have attached an updated PC Exception with the verbiage corrected.. - Seller-06/XX/2025 <br>Counter-Exception was not provided for this finding - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Uploaded Post Close Exception - Seller-06/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower does not meet housing history requirements. Last mortgage reporting on credit report is from 2019. Per guides, Less than 12-month history or residing rent-free allowed with the following restrictions:<br> o DTI may not exceed 45%.<br> o LTV may not exceed 80%.<br> o Any available portion of a 12-month housing history must be paid as agreed<br> - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. The PC Exception is to go from 80 ltv to 90 ltv. The 80 ltv allows the no primary housing. These are not 2 separate issues - its cause and effect. I have attached an updated PC Exception with the verbiage corrected.. - Seller-06/XX/2025 <br>Ready for Review-Uploaded Post Close Exception - Seller-06/XX/2025<br>| Waived-Originator exception provided and applied to non material finding with comp factors.<br> (Exception to go from 80 ltv to 90 ltv. LTV of 90% exceeds Guideline LTV of 80% Max LTV for less than 12-month history or residing rent-free is 80%)<br> - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - 43 mths reserves; 12 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 809 | -Ratios < 43%<br> - FICO > 10pts above requirement,<br> - Closing reserves > 12 months<br> -,Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | MD | Primary Residence | Purchase | NA | Originator Post-Close | Yes |  |
| 110100008262 |  | D B C A | Closed | FCRE1194 | 2025-06-16 14:11 | 2025-06-20 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception provided and applied to non material finding with comp factors. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded Post Close Exception - Seller-06/XX/2025 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 80% Max LTV for less than 12-month history or residing rent-free is 80% - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Uploaded Post Close Exception - Seller-06/XX/2025<br>| Waived-Originator exception provided and applied to non material finding with comp factors. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - 43 mths reserves; 12 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 809 | -Ratios < 43%<br> - FICO > 10pts above requirement,<br> - Closing reserves > 12 months<br> -,Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | MD | Primary Residence | Purchase | NA | Originator Post-Close | Yes |  |
| 110100007164 |  | C B A | Closed | FCRE6763 | 2025-06-17 13:34 | 2025-06-17 13:38 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted to allow 6 NSF in past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to only 3 NSF over max allowed. - Due Diligence Vendor-06/XX/2025 <br>Open-6 NSF reporting on business bank statements in past 12 months, guideline max is 3 NSF. - Due Diligence Vendor-06/XX/2025 |  | Waived-Originator exception granted to allow 6 NSF in past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to only 3 NSF over max allowed. - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 37.52 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 649 is more than 20 points higher than the guideline min of 620.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $13K/month residual<br>Verified employment history exceeds guidelines - 10+ years self employed | Long term employment<br> Residual income > $3K |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes |  |
| 110100007164 |  | C B A | Closed | FCOM1302 | 2025-06-16 07:53 | 2025-06-16 08:34 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 37.52 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 649 is more than 20 points higher than the guideline min of 620.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $13K/month residual<br>Verified employment history exceeds guidelines - 10+ years self employed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No |  |
| 110100009003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100009368 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NY | Investment | Purchase | NA |  |  |  |
| 110100007735 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NY | Investment | Purchase | NA |  |  |  |
| 110100009245 |  | D B A | Closed | FCRE1964 | 2025-06-20 11:39 | 2025-06-25 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Tax Preparer Letter w/expense ratio. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please see uploaded expense factor letter. - Seller-06/XX/2025 <br>Open-Missing documentation to support the 31% expense factor used in the income calculation. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Please see uploaded expense factor letter. - Seller-06/XX/2025<br>| Resolved-Received Tax Preparer Letter w/expense ratio. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 14 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100009245 |  | D B A | Closed | FCOM5135 | 2025-06-18 16:37 | 2025-06-18 16:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 14 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100008812 |  | D B A | Closed | FCRE7497 | 2025-06-20 17:11 | 2025-06-25 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Not related to the condition, AVM for this file, uploaded - Seller-06/XX/2025 <br>Ready for Review-Document Uploaded. proof of HOA, 1008 & 1003 uploaded - Seller-06/XX/2025 <br>Open-No documentation provided to evidence the additional expense stated on the 1003 for property 3a. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Not related to the condition, AVM for this file, uploaded - Seller-06/XX/2025 <br>Ready for Review-Document Uploaded. proof of HOA, 1008 & 1003 uploaded - Seller-06/XX/2025<br>| Resolved-Received HOA verification. - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.56 is less than the guideline max of 43. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 813 is more than 20 points higher than the guideline min of 720. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | FL | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008812 |  | D B A | Closed | FCRE7806 | 2025-06-23 09:42 | 2025-06-25 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. income worksheets uploaded - Seller-06/XX/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. income worksheets uploaded - Seller-06/XX/2025<br>| Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.56 is less than the guideline max of 43. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 813 is more than 20 points higher than the guideline min of 720. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | FL | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008812 |  | D B A | Closed | FCOM5135 | 2025-06-19 09:02 | 2025-06-19 09:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-06/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.56 is less than the guideline max of 43. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 813 is more than 20 points higher than the guideline min of 720. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | FL | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100007127 |  | D B A | Closed | FCRE0200 | 2025-06-26 10:56 | 2025-06-30 11:45 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-UDM Report received for XXXX - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. We previously uploaded a UDN for the below suspense. However, this was in error, and for a person not on the loan. Purchase borrowers are XXXX. We have uploaded the corrected UDN for xxxx, you should have XXXX's already. - Seller-06/XX/2025 <br> Open-\*New\* Per the Gap report dated 06/XX/2025 borrower opened a new Mortgage account on 05/XX/2025. Account XXXX. Missing Terms and which property this mortgage belongs to. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. We previously uploaded a UDN for the below suspense. However, this was in error, and for a person not on the loan. Purchase borrowers are XXXX and XXXX XXXX. We have uploaded the corrected UDN for XXXX, you should have XXXX already. - Seller-06/XX/2025 | Resolved-UDM Report received for XXXX - Due Diligence Vendor-06/XX/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 ; minimum score 700.<br>Months Reserves exceed minimum required - 356.66 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | GA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007127 |  | D B A | Closed | FCRE1440 | 2025-06-23 15:40 | 2025-06-26 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-proof of 4/1 and 5/1 payments provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Provided in the original upload shows paid and closed. There's a credit supplement included as well as the payment history showing paid 4/11 & 5/7. Reuploaded - Seller-06/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- missing mortgage pay history for b2 primary 1st lien. missing mortgage payment 4/XX/25 and 5/XX/25 being made. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Provided in the original upload shows paid and closed. There's a credit supplement included as well as the payment history showing paid 4/11 & 5/7. Reuploaded - Seller-06/XX/2025<br>| Resolved-proof of 4/1 and 5/1 payments provided. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 ; minimum score 700.<br>Months Reserves exceed minimum required - 356.66 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | GA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007127 |  | D B A | Closed | FCRE5782 | 2025-06-23 15:40 | 2025-06-26 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. UDN uploaded - Seller-06/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. UDN uploaded - Seller-06/XX/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 ; minimum score 700.<br>Months Reserves exceed minimum required - 356.66 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | GA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007127 |  | D B A | Closed | FCRE3978 | 2025-06-23 16:03 | 2025-06-26 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Rent Free Letter. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Rent free letter - Seller-06/XX/2025 <br>Open-Missing Living rent free ltr for b1. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Rent free letter - Seller-06/XX/2025<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 ; minimum score 700.<br>Months Reserves exceed minimum required - 356.66 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | GA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007127 |  | D B A | Closed | FCOM5135 | 2025-06-19 17:25 | 2025-06-19 17:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 ; minimum score 700.<br>Months Reserves exceed minimum required - 356.66 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | GA | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100008589 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NC | Investment | Purchase | NA |  |  |  |
| 841050 |  | B A | Closed | FCOM1274 | 2025-06-25 10:29 | 2025-06-25 10:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Escrow Waiver is Missing | Waived-Escrow Waiver is Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025 |  | Waived-Escrow Waiver is Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 801 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Purchase | NA | Investor Post-Close | No |  |
| 841050 |  | B A | Closed | FCOM1302 | 2025-06-25 10:29 | 2025-06-25 10:29 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 801 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Purchase | NA | Investor Post-Close | No |  |
| 841050 |  | B A | Closed | FCOM5135 | 2025-06-25 10:29 | 2025-06-25 10:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. No title fees in Section B. - Due Diligence Vendor-06/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. No title fees in Section B. - Due Diligence Vendor-06/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 801 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Purchase | NA | Investor Post-Close | No |  |
| 110100008354 |  | C B A | Closed | finding-3634 | 2025-06-26 10:06 | 2025-07-16 10:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. See uploaded Amended PCCD with LOE to borrower to reflect correct total Lender Cure $283.70 ($65.00 cure applied at closing plus $218.70 added on 7/XX/28). - Seller-07/XX/2025 <br>Counter-\*\*\*NEW\*\*\*-----Zero (0%) tolerance fees increased by $65 (Appraisal Fee) without a valid COC in file. Final CD provided a $65 credit for increases in closing costs above the legal limit and was removed on PCCD 7/XX/2025 which provided a lender cure $218.70 for charges that cannot increase more than 10% . Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $65.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-07/XX/2025 <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 $65.00.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> - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. See uploaded Amended PCCD with LOE to borrower to reflect correct total Lender Cure $283.70 ($65.00 cure applied at closing plus $218.70 added on 7/8/28). - Seller-07/XX/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 31.64 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | MA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008354 |  | C B A | Closed | finding-3635 | 2025-06-26 10:06 | 2025-07-10 07:14 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD 7/XX/2025, LOX, copy of check for $218.70 and evidence of delivery. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. UPLOADED PCCD with lender cure - Seller-07/XX/2025 <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% ($2,807.00) exceed the comparable charges ($2,353.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Lender's Title Policy) increased by $218.70 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $218.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statue of Limitations expires on 06/XX/2026.<br> - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. UPLOADED PCCD with lender cure - Seller-07/XX/2025<br>| Cured-Received PCCD 7/8/2025, LOX, copy of check for $218.70 and evidence of delivery. - Due Diligence Vendor-07/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 31.64 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | MA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008274 |  | C A | Closed | FCRE0360 | 2025-07-08 16:25 | 2025-07-11 12:37 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Upon further review, the credit supplement is sufficient for VOR requirements. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Our guides do not say we can not use a third party credit supplement which would be another form of a written VOR. - Seller-07/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. If an applicant rents from a professional management company or a private party, a fully completed and signed VOR may be utilized. However, a credit supplement was provided which does not meet this requirement. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Our guides do not say we can not use a third party credit supplement which would be another form of a written VOR. - Seller-07/XX/2025<br>| Resolved-Upon further review, the credit supplement is sufficient for VOR requirements. - Due Diligence Vendor-07/XX/2025<br>| Verified employment history exceeds guidelines - 5+ years same business owned<br>Months Reserves exceed minimum required - 24.95 months PITIA reserves; 12 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | LA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCRE1193 | 2025-07-07 10:30 | 2025-07-17 09:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Received exception approval to include/add back officer salary in income calculation, DTI is now 47.97%, finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/XX/2025 <br> Counter-Exception to allow add back provided, however an exception for the DTI is required. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. exception to allow add back of XXXX salary on P&L - Seller-07/XX/2025 <br> Counter-Salary break out is not listed as eligible add-back. Received income calculation inclusive of salary--guidelines only allow the following to be added back: depreciation, depletion and amortization/casualty loss. (page 63).Finding remains. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-we do not agree with this... the borrower pays himself a salary, he should be able to use that income. Its not a "add back" it's the borrowers salary.<br>if the borrower pays himself a salary why would we calculate the income by taking his salary out of his bottom line.? - Seller-07/XX/2025 <br> Counter-Received income calculation inclusive of salary--guidelines only allow the following to be added back: depreciation, depletion and amortization/casualty loss. (page 63). Finding remains. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. The income is as follows:<br>Retained earnings XXXX. We took the final earnings and added back the borrower salary of $XXXX. See the attached P&L <br> - Seller-07/XX/2025 <br> Counter-Reviewed DTI - $XXXX total income, $XXXX PITIA and $XXXX consumer debt. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. income calc - Seller-07/XX/2025 <br> Open-Audited DTI of 53.38% exceeds Guideline DTI of 50% - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. exception to allow add back of XXXX salary on P&L - Seller-07/XX/2025 <br> Ready for Review-we do not agree with this... the borrower pays himself a salary, he should be able to use that income. Its not a "add back" it's the borrowers salary.<br>if the borrower pays himself a salary why would we calculate the income by taking his salary out of his bottom line.? - Seller-07/XX/2025 <br> Ready for Review-Document Uploaded. The income is as follows:<br>We took the final earnings and added back the borrower salary of $XXXX See the attached P&L <br> - Seller-07/XX/2025 <br> Ready for Review-Document Uploaded. income calc - Seller-07/XX/2025 | Waived-Received exception approval to include/add back XXXX salary in income calculation, DTI is now 47.97%, finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/XX/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. | -LTV 10% or more under requirement<br> - Reserves 12+ months more than requirement<br> - Residual income $3k or more<br> - Long term employment (>5 years) |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |  |
| 1125026847 |  | D B A | Closed | FCRE1316 | 2025-07-07 10:04 | 2025-07-17 09:48 | 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-07/XX/2025 <br>Ready for Review-Document Uploaded. final vvoe - Seller-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. Missing VVOE dated within 10 days of the Note. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. final vvoe - Seller-07/XX/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCRE1325 | 2025-07-07 11:17 | 2025-07-17 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 CPA Letter Missing verification of the borrower's length of self-employment - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCRE4989 | 2025-07-07 10:41 | 2025-07-14 14:43 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received title commitment confirming no judgments and search completed. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-fraud guard is not always correct... we showed title reflecting no judgments and after 10 years a judgment is really not valid - Seller-07/XX/2025 <br> Counter-Documentation is insufficient-Fraud Report reflects judgment-page 21 of report. Provide release date or confirmation does not belong to borrower. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. final title (#9 enclosed) showed no judgments - Seller-07/XX/2025 <br> Counter-Please provide documentation to verify the release date. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Judgment was 10 years old and there were no judgments found when Title ran their searches. The property is in New York and the searches were in New York. - Seller-07/XX/2025 <br> Open-Missing proof that the Civil Judgement in the amount of $XXX Case #XXX is paid in full and satisfied. - Due Diligence Vendor-07/XX/2025 | Ready for Review-fraud guard is not always correct... we showed title reflecting no judgments and after 10 years a judgment is really not valid - Seller-07/XX/2025 <br>Ready for Review-Document Uploaded. final title (#9 enclosed) showed no judgments - Seller-07/XX/2025 <br>Ready for Review-Judgment was 10 years old and there were no judgments found when Title ran their searches. The property is in New York and the searches were in New York. - Seller-07/XX/2025<br>| Resolved-Received title commitment confirming no judgments and search completed. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | finding-3635 | 2025-07-01 15:00 | 2025-07-11 09:26 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD 7/XX/2025, copy of check for $15.90, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. refund, loe and fedex label attached - Seller-07/XX/2025 <br>Counter------Received COC for appraisal inspection and Rate lock. Ten (10%) tolerance fees (Recording Fees) increased by $35.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. cocs - Seller-07/XX/2025 <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% ($226.00) exceed the comparable charges ($191.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------Ten (10%) tolerance fees (Recording Fees) increased by $35.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is 06/XX/2028.<br> - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. refund, loe and fedex label attached - Seller-07/XX/2025 <br>Ready for Review-Document Uploaded. cocs - Seller-07/XX/2025<br>| Cured-Received PCCD 7/9/2025, copy of check for $15.90, LOE and evidence of delivery to borrower - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCRE5782 | 2025-07-07 10:19 | 2025-07-08 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. full credit report is within 10 days of closing - Seller-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. full credit report is within 10 days of closing - Seller-07/XX/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | finding-3634 | 2025-07-01 15:00 | 2025-07-08 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for appraisal inspection and Rate lock. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. cocs - Seller-07/XX/2025 <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 $1,875.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,875.00 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,875.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is 06/XX/2028. [COC for increase in file dated 6/XX/2025, change not reflected until Final CD 6/XX/2025. Change not reflected within 3 business days, therefore COC 6/XX/2025 is invalid for this increase]<br> - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. cocs - Seller-07/XX/2025<br>| Resolved------Received COC for appraisal inspection and Rate lock. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCOM1231 | 2025-07-02 08:18 | 2025-07-08 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. 1003 is within 3 days... this is allowable - Seller-07/XX/2025 <br>Open-The Initial 1003 is Missing Originator dated application in file on 2/XX/2025, which is after Initial LE issued 2/XX/2025. An Initial Application Date falling after Initial LE issuance is an impossibility, please clarify true application date. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. 1003 is within 3 days... this is allowable - Seller-07/XX/2025<br>| Resolved-Received Initial 1003 - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 1125026847 |  | D B A | Closed | FCRE1440 | 2025-07-07 10:19 | 2025-07-07 11:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements . Subject has 2x30 day late on the mortgage.<br> Client provided an Exception to allow lates on the mortgage, applied to non material finding with comp factors. - Due Diligence Vendor-07/XX/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 710 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 46.88% and max allowed is 75%. | -Loan to value 10% or more under requirements.<br> - Reserves 12+ months more than requirement.<br> - Residual income $3k or more.<br> - Loan term employment (>5 years) |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NY | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |  |
| WS250520122 |  | D A | Closed | FPRO1253 | 2025-07-02 16:49 | 2025-07-07 17:37 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-Additional valuation product has not been provided. - Provide Secondary Valuation or Additional Valuation to support appraised value. CU Provided has No Score/Findings. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. - Seller-07/XX/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 690<br>Months Reserves exceed minimum required - 22 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |  |
| 110100008776 |  | D B A | Closed | FCRE1471 | 2025-07-07 13:31 | 2025-07-15 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 5 Missing | Resolved-Updated bank statement provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded XXX June stmt for xx2647 - Seller-07/XX/2025 <br> Open-Asset 5 Missing Need complete 1 month statement for asset TD ending 2647. Currently only 13 days provided. 6/1-6/13 - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Uploaded XXX June stmt for XXX - Seller-07/XX/2025 | Resolved-Updated bank statement provided. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 707 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.08 is less than the guideline max of 45. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NJ | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008776 |  | D B A | Closed | FCRE1510 | 2025-07-03 08:15 | 2025-07-09 11:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded Mortgage with Legal Desc - Seller-07/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal description - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Uploaded Mortgage with Legal Desc - Seller-07/XX/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 707 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.08 is less than the guideline max of 45. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NJ | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008776 |  | D B A | Closed | FCRE1198 | 2025-07-07 13:39 | 2025-07-07 14:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied deemed non material due to being less than one month short of the required amount. - Due Diligence Vendor-07/XX/2025 <br>Open-Audited Reserves of 11.91 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-07/XX/2025 |  | Waived-Originator waiver applied deemed non material due to being less than one month short of the required amount. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 707 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.08 is less than the guideline max of 45. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | NJ | Primary Residence | Purchase | NA | Originator Post-Close | Yes |  |
| 110100008135 |  | D B A | Closed | FCRE5782 | 2025-07-07 17:29 | 2025-07-10 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Copy of gap credit attached - Seller-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Copy of gap credit attached - Seller-07/XX/2025<br>| Resolved-Received UDM - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.76 is less than the guideline max of 43. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008135 |  | D B A | Closed | FCRE1510 | 2025-07-03 11:36 | 2025-07-10 09:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument reflecting correct loan amount and confirmation of recording. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. DOT attached reflecting correct loan amt $XXX - Seller-07/XX/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----The Deed of Trust provided has the wrong loan amount. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. DOT attached reflecting correct loan amt $XXX - Seller-07/XX/2025 | Resolved-Received complete security instrument reflecting correct loan amount and confirmation of recording. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.76 is less than the guideline max of 43. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100008135 |  | D B A | Closed | FPRO1249 | 2025-07-07 17:18 | 2025-07-08 09:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow Rural property, Non-material waiver applied with comp factors. non-material due to only 5 acres, All comps located within 7 miles. - Due Diligence Vendor-07/XX/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception for rural property in file. - Due Diligence Vendor-07/XX/2025 |  | Waived-Originator exception granted to allow Rural property, Non-material waiver applied with comp factors. non-material due to only 5 acres, All comps located within 7 miles. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.76 is less than the guideline max of 43. | Post-closing reserves > 12 months<br> Residual Income > $3K<br> FICO > 10pts above requirement<br> Good borrower good fico/reserves / UW missed rural will cause loss of loan. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | Originator Post-Close | Yes |  |
| 110100009201 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | TX | Primary Residence | Purchase | NA |  |  |  |
| 110100009530 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | UT | Investment | Purchase | NA |  |  |  |
| 2000011140 |  | C A | Closed | FCRE1198 | 2025-07-10 08:13 | 2025-07-22 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final CD for cash out refi on another property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Refi Cash out - Seller-07/XX/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Refi Cash out - Seller-07/XX/2025<br>| Resolved-Received final CD for cash out refi on another property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Months Reserves 10 months exceed minimum required 6 months,<br>Long term residence - 5 Years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 2000011140 |  | C A | Closed | FCRE9501 | 2025-07-10 08:02 | 2025-07-22 10:33 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final CD for cash out of other property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Cash Out CD - Seller-07/XX/2025 <br> Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. Missing CD from refinance of investment property with net proceeds of at least $XXXX - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Cash Out CD - Seller-07/XX/2025<br>| Resolved-Received final CD for cash out of other property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Months Reserves 10 months exceed minimum required 6 months,<br>Long term residence - 5 Years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 2000011140 |  | C A | Closed | FCRE1480 | 2025-07-11 12:30 | 2025-07-22 10:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received final CD for cash out on other property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing currency converter for account ending in 4141 - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received final CD for cash out on other property reflecting sufficient assets. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Months Reserves 10 months exceed minimum required 6 months,<br>Long term residence - 5 Years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 2000011140 |  | C A | Closed | FCRE0095 | 2025-07-10 07:19 | 2025-07-14 15:57 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-After further review, the STR is based on the 1007. - Due Diligence Vendor-07/XX/2025 <br> Open-Missing XXX report. DSCR to be recalculated once received. Additional conditions may apply - Due Diligence Vendor-07/XX/2025 |  | Resolved-After further review, the STR is based on the 1007. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Months Reserves 10 months exceed minimum required 6 months,<br>Long term residence - 5 Years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA | N/A | N/A |  |
| 110100007984 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Purchase | NA |  |  |  |
| 110100008629 |  | B A | Closed | FCOM1301 | 2025-07-08 08:08 | 2025-07-15 12:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Toolkit acknowledgement was included with credit file (page 705), I uploaded another copy. Grade should be A.. please advise.. - Due Diligence Vendor-07/XX/2025 <br>Open-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves and the borrower has 17 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 7.91 is less than the guideline max of 50. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | FL | Primary Residence | Purchase | NA | N/A | N/A |  |
| WS250620398 |  | C B A | Closed | FCRE0104 | 2025-07-10 13:10 | 2025-07-25 15:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non-material Findings with compensating factor. - Due Diligence Vendor-10/XX/2025 <br>Open-Prepayment Penalty is not allowed. "Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%" (Interest rate on Note 7.875%) - Due Diligence Vendor-07/XX/2025 |  | Waived-Originator waiver applied to non-material Findings with compensating factor. - Due Diligence Vendor-10/XX/2025<br>| DSCR % greater than 1.20 - DSCR 1.239<br>Months Reserves exceed minimum required - 93 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NJ | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |  |
| 110100008897 |  | B A | Closed | FCRE1193 | 2025-07-11 10:29 | 2025-07-11 11:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI of 49.95% exceeds Guideline DTI of 45% Exception in file. Exception for 49.970% for the FTHB. Non-Material, Perfect rent payment history verified since 2021. - Due Diligence Vendor-07/XX/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 15 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 738 is more than 20 points higher than the guideline min of 680. | Long Term Employment Residual Income > $3K <br> FICO > 10pts above requirement  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | Originator Post-Close | Yes |  |
| 110100009845 |  | C A | Closed | FCRE6843 | 2025-07-15 11:56 | 2025-07-21 11:48 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received exchange rate as of 06/XX/2025. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. See uploaded currency exchange on 6/XX/2025 - Seller-07/XX/2025 <br>Counter-Received conversion dated 7/16-need conversion as of last statement printout 6/XX/2025 - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see exchange rate from Canadian dollar to US dollars. - Seller-07/XX/2025 <br>Open-Evidence of exchange from Canadian dollar to US dollar is not provided. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. See uploaded currency exchange on 6/XX/2025 - Seller-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see exchange rate from Canadian dollar to US dollars. - Seller-07/XX/2025<br>| Resolved-Received exchange rate as of 06/XX/2025. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 534 months. <br>DSCR % greater than 1.20 - Qualifying DSCR is 1.62. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | PA | Investment | Purchase | NA | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE5782 | 2025-07-16 13:28 | 2025-07-24 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM for B1 in original file Pg 204. UDM for B2 uploaded to stips. - Due Diligence Vendor-07/XX/2025 <br> Counter-UDM for B1 provided, please provide the UDM for B2 - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded the UDN/Gap credit, proof bwr paid June for XXXX (loan is 2x30) and June was not paid for XXXX - Seller-07/XX/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report and Borrower 2 Gap Credit report is Missing. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Uploaded the UDN/Gap credit, proof bwr paid June for xxxx (loan is 2x30) and June was not paid for XXXX - Seller-07/XX/2025 | Resolved-UDM for B1 in original file Pg 204. UDM for B2 uploaded to stips. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE1440 | 2025-07-16 13:28 | 2025-07-24 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided confirmation the borrower is 2x30 on 3A and 1x30 on 3B. The guides allow for 1x60. - Due Diligence Vendor-07/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements. Missing proof of the June payment for 3a and 3b. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided confirmation the borrower is 2x30 on 3A and 1x30 on 3B. The guides allow for 1x60. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE5770 | 2025-07-16 13:28 | 2025-07-24 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Credit report uploaded - Seller-07/XX/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing the origination credit report. Only Supplement reports were provided. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Credit report uploaded - Seller-07/XX/2025<br>| Resolved-Credit report provided. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE1324 | 2025-07-16 12:42 | 2025-07-24 10:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Upon further review, tax returns are not required for the documentation type. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Per UW, 2022 tax returns were not used for calculation purposes so not required to be signed – see income calculation worksheet, included in original upload. - Seller-07/XX/2025 <br>Open-Borrower 1 Tax Returns Not Signed for 2022. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Per UW, 2022 tax returns were not used for calculation purposes so not required to be signed – see income calculation worksheet, included in original upload. - Seller-07/XX/2025<br>| Resolved-Upon further review, tax returns are not required for the documentation type. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE6737 | 2025-07-16 13:56 | 2025-07-24 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received tax preparer letter and revised 1003. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded updated 1003 showing corrected employment history - Seller-07/XX/2025 <br>Counter-Provide updated 1003for the co-borrower with the correct employment dates for the previous employer to match the CPA letter. Signature not required. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Per Accountant LOE already included in original upload, verified that the business was dissolved in 2024 vs 2022, meaning there was no job gap. Reuploaded - Seller-07/XX/2025 <br>Open-Missing a Gap Letter of Employment for Co borrower for 21 months . - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Uploaded updated 1003 showing corrected employment history - Seller-07/XX/2025 <br>Ready for Review-Document Uploaded. Per Accountant LOE already included in original upload, verified that the business was dissolved in 2024 vs 2022, meaning there was no job gap. Reuploaded - Seller-07/XX/2025<br>| Resolved-Received tax preparer letter and revised 1003. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE1506 | 2025-07-16 13:32 | 2025-07-23 17:14 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-CPA letter provided. - Due Diligence Vendor-07/XX/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation. - Due Diligence Vendor-07/XX/2025 |  | Resolved-CPA letter provided. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100009784 |  | D A | Closed | FCRE4963 | 2025-07-16 13:51 | 2025-07-17 14:23 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-After further review, the payoff for the lien on the property was provided and the other debts from being paid match the current balances on the credit report. - Due Diligence Vendor-07/XX/2025 <br>Open-No evidence of required debt payoff. Missing payoff statements for all accounts being paid off on subject transaction on the Final CD. - Due Diligence Vendor-07/XX/2025 |  | Resolved-After further review, the payoff for the lien on the property was provided and the other debts from being paid match the current balances on the credit report. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 25.41 months of reserves and only needs 3 months to qualify.<br>Long term residence - Long term residence of 8 years. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| WS250419913 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | PA | Investment | Purchase | NA |  |  |  |
| 110100009986 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA |  |  |  |
| WS250620345 |  | C B A | Closed | FCRE0104 | 2025-07-22 14:12 | 2025-07-23 10:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-07/XX/2025 <br>Open-Prepayment Penalty is not allowed. "Fixed Rate when closing in LLC or as individual. - Due Diligence Vendor-07/XX/2025 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - 78 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 653 |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NJ | Investment | Purchase | NA | Originator Post-Close | No |  |
| 110100009886 |  | C A | Closed | FCRE0045 | 2025-07-22 16:21 | 2025-07-24 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Borrower is a non-permanent Resident - guidelines require ACH only for Foreign Nationals. - Due Diligence Vendor-07/XX/2025 <br>Open-Foreign National but the ACH form is Missing from file. NPRA Missing ACH Form - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrower is a non-permanent Resident - guidelines require ACH only for Foreign Nationals. - Due Diligence Vendor-07/XX/2025<br>| Months Reserves exceed minimum required - 10 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 793 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100011126 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100010481 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | TX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 110100009625 |  | C A | Closed | FCRE4963 | 2025-07-25 10:03 | 2025-07-29 10:42 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received PCCd reflecting ex spouse demand paid - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded PCCD - Seller-07/XX/2025 <br> Open-Sole purpose of transaction is to pay off ex spouse per a court order. Per the court order, borrower is to pay ex spouse $XXX no later than 7/XX/25 or the home will be sold. Ex spouse is not listed as a creditor to be paid at closing on the final CD. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Uploaded PCCD - Seller-07/XX/2025<br>| Resolved-Received PCCd reflecting ex spouse demand paid - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.25% is less than the guideline max of 50%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100006452 |  | D A C | Closed | FCRE5782 | 2025-07-26 13:55 | 2025-08-04 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. updated UDN - Seller-08/XX/2025 <br>Counter-Received aged UDM report-tied to previous credit and reflecting monitoring ended 6/XX/25. Provide current UDM - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. UDN uploaded - Seller-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. updated UDN - Seller-08/XX/2025 <br>Ready for Review-Document Uploaded. UDN uploaded - Seller-07/XX/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-08/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 749 ; minimum score 680.<br>LTV is less than guideline maximum - LTV 58% max 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100006452 |  | D A C | Closed | finding-47 | 2025-07-23 17:16 | 2025-07-31 07:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 7/XX/2025, disbursement date 7/XX/2025. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. PCCD & final SS uploaded to correct disbursement date - Seller-07/XX/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. PCCD & final SS uploaded to correct disbursement date - Seller-07/XX/2025<br>| Resolved-Received PCCD 7/XX/2025, disbursement date 7/XX/2025. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 749 ; minimum score 680.<br>LTV is less than guideline maximum - LTV 58% max 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100006452 |  | D A C | Closed | FCRE0019 | 2025-07-26 13:43 | 2025-07-29 10:36 | Resolved | 1 - Information C A | Credit | Income/Employment | PTIN Prepared P&L | Resolved-Received validation of tax preparers Enrolled Agent license. PTIN did not prepare the P&L. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-per our UW the person who did the P&L is an enrolled agent which is allowed. This was included in the original upload, reuploaded - Seller-07/XX/2025 <br>Open-PTIN prepared the P&L. per HEM guides PTIN is not allowed. 12- or 24-month Profit & Loss statement prepared by a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer or Tax Attorney. The credit file must contain documentation showing: State CPA license number as verified by license or screenshot from state licensing authority IRS Enrolled Agent (EA) certification from IRS (e.g., screenshot of IRS web site) CTEC certification from California (e.g., screenshot of CTEC web site) <br> State Attorney license number as verified by license or screenshot from state licensing authority <br> PTIN is not allowed - Due Diligence Vendor-07/XX/2025 | Ready for Review-per our UW the person who did the P&L is an enrolled agent which is allowed. This was included in the original upload, reuploaded - Seller-07/XX/2025<br>| Resolved-Received validation of tax preparers Enrolled Agent license. PTIN did not prepare the P&L. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 749 ; minimum score 680.<br>LTV is less than guideline maximum - LTV 58% max 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100010089 |  | D A | Closed | FCRE0008 | 2025-07-25 08:11 | 2025-07-30 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed there is no prepay on this loan. - Due Diligence Vendor-07/XX/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. Tape shows prepay and note does not indicate any pre payment penalty. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender confirmed there is no prepay on this loan. - Due Diligence Vendor-07/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is more than 20 points higher than the guideline min of 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 10.56 is less than the guideline max of 50. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | CA | Investment | Purchase | NA | N/A | N/A |  |
| 110100010089 |  | D A | Closed | FCRE1152 | 2025-07-28 14:31 | 2025-07-29 17:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review tax cert in file. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-we don't have a tax calculation worksheet. It is annual taxes divided by 12 months, which is common practice for industry. - Seller-07/XX/2025 <br>Open-Missing Evidence of Property Tax Missing lender calculation for qualifying figure. - Due Diligence Vendor-07/XX/2025 | Ready for Review-we don't have a tax calculation worksheet. It is annual taxes divided by 12 months, which is common practice for industry. - Seller-07/XX/2025<br>| Resolved-Upon further review tax cert in file. - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is more than 20 points higher than the guideline min of 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 10.56 is less than the guideline max of 50. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | CA | Investment | Purchase | NA | N/A | N/A |  |
| 110100010946 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | FL | Primary Residence | Purchase | NA |  |  |  |
| 110100010105 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | MA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 110100010855 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100007914 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NC | Investment | Purchase | NA |  |  |  |
| 110100007982 |  | B A | Closed | FCRE0969 | 2025-08-01 16:31 | 2025-08-01 16:32 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/XX/2025 <br>Open-Prepayment penalty not permitted on NJ loans closing in an LLC. - Due Diligence Vendor-08/XX/2025 |  | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/XX/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 104 months. <br>DSCR % greater than 1.20 - Qualifying DSCR is 1.209. |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | NY | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |  |
| 110100010042 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | TX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 110100007547 |  | D A | Closed | FCRE1497 | 2025-08-04 17:04 | 2025-08-20 10:45 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received revised CPA letter confirming ownership. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-CPA Letter forXXXX - Seller-08/XX/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered No documentation is provided to support the employment or income from XXXX as being the same as the XXXX. - Due Diligence Vendor-08/XX/2025 | Ready for Review-CPA Letter for XXXX operating for XXXX - Seller-08/XX/2025 | Resolved-Received revised CPA letter confirming ownership. - Due Diligence Vendor-08/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 35.90 is less than the guideline max of 45.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 740 is more than 20 points higher than the guideline min of 680. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007547 |  | D A | Closed | FCRE1491 | 2025-08-04 16:59 | 2025-08-20 10:43 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received CPA letter and signature authorization to account. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. see uploaded Business Depository Cert forXXXX evidence borrower has full access to funds held by XXXX. - Seller-08/XX/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements No documentation is provided to evidence the borrower has full access to the funds held by XXXX. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. see uploaded Business Depository Cert for XXXX evidence borrower has full access to funds held by XXXX LLC. - Seller-08/XX/2025 | Resolved-Received CPA letter and signature authorization to account. - Due Diligence Vendor-08/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 35.90 is less than the guideline max of 45.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 740 is more than 20 points higher than the guideline min of 680. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100007547 |  | D A | Closed | FCRE1325 | 2025-08-04 16:50 | 2025-08-20 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming ownership and location. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. see uploaded CPA Letter forXXXX operating for XXXX - Seller-08/XX/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Letter provided does not clarify if XXXX LLC is the company that holds the XXXX store #XXXX. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. see uploaded CPA Letter for XXXX LLC operating for XXXX - Seller-08/XX/2025 | Resolved-Received CPA letter confirming ownership and location. - Due Diligence Vendor-08/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 35.90 is less than the guideline max of 45.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 740 is more than 20 points higher than the guideline min of 680. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |  | CA | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100010661 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | FL | Investment | Purchase | NA |  |  |  |
| 110100009916 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | SC | Second Home | Purchase | NA |  |  |  |
| 110100011029 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 110100011270 |  | D A C | Closed | FCRE1152 | 2025-08-13 12:52 | 2025-08-19 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review no additional documentation required, this is standard for new construction. - Due Diligence Vendor-10/XX/2025 <br>Counter-Received updated 1008/1003 reflecting estimated re taxes-does not match final CD. Please clarify. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Per our guidelines we are to use the millage/tax levy rate for new construction. The tax cert in file shows the tax levy amount. Used levy rate x purchase price. Updated 1003 and 1008 with new tax amount. Borrower still qualifies. - Seller-08/XX/2025 <br>Open-Missing Evidence of Property Tax Taxes assessed on land only since new construction, qualifying figure is not supported. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Per our guidelines we are to use the millage/tax levy rate for new construction. The tax cert in file shows the tax levy amount. Used levy rate x purchase price. Updated 1003 and 1008 with new tax amount. Borrower still qualifies. - Seller-08/XX/2025<br>| Resolved-Upon further review no additional documentation required, this is standard for new construction. - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 737; minimum required 660.<br>Qualifying DTI below maximum allowed - DTI 39.78% max 43%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CO | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100011270 |  | D A C | Closed | FCRE1440 | 2025-08-12 15:59 | 2025-08-18 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property profile-most current departure owned free and clear-previous reflects mtg that was paid 4/2024. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Attached proof borrower has owned current primary since 2020 and its free and clear. The previous property was sold march of 2025 therefore there would not be any payment history from march 2025 to current. Prior to sale borrower had a mortgage in XXX for XXXX fha. The credit report shows 2 mortgages XXXX and XXXX – 172 months reviewed - I have attached the property profile for current primary, previous primary and copy of deed showing the loan for previous primary matches up to credit report. - Seller-08/XX/2025 <br> Ready for Review-Document Uploaded. Property profile is attached showing proof departing primary is free and clear. - Seller-08/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 months housing history for primary residence (resided one month) and former address 11 months. Unable to determine if prior home was owned free and clear. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Attached proof borrower has owned current primary since 2020 and its free and clear. The previous property was sold march of 2025 therefore there would not be any payment history from march 2025 to current. Prior to sale borrower had a mortgage in XXX for XXX fha. The credit report shows 2 mortgages XXXX and XXXX – 172 months reviewed - I have attached the property profile for current primary, previous primary and copy of deed showing the loan for previous primary matches up to credit report. - Seller-08/XX/2025 <br> Ready for Review-Document Uploaded. Property profile is attached showing proof departing primary is free and clear. - Seller-08/XX/2025 | Resolved-Received property profile-most current departure owned free and clear-previous reflects mtg that was paid 4/2024. - Due Diligence Vendor-08/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 737; minimum required 660.<br>Qualifying DTI below maximum allowed - DTI 39.78% max 43%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CO | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100011270 |  | D A C | Closed | FCRE0200 | 2025-08-13 13:04 | 2025-08-18 09:58 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received warranty deed and property profile confirming departing residence is free and clear - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-08/XX/2025 <br> Ready for Review-Document Uploaded. Property profile is attached showing proof departing primary is free and clear. - Seller-08/XX/2025 <br> Open-Missing confirmation that departure residence (resided for one month) is owned free & clear. per property report PDF 327. it appears there is a 2nd mtg on this loan closed 4/XX/20 $XXX. ; warranty deed pdf 339 reflect deeded to 3 grantees including 1 being our borrower. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. - Seller-08/XX/2025 <br>Ready for Review-Document Uploaded. Property profile is attached showing proof departing primary is free and clear. - Seller-08/XX/2025<br>| Resolved-Received warranty deed and property profile confirming departing residence is free and clear - Due Diligence Vendor-08/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 737; minimum required 660.<br>Qualifying DTI below maximum allowed - DTI 39.78% max 43%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CO | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100011270 |  | D A C | Closed | finding-3634 | 2025-08-07 17:30 | 2025-08-13 13:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $12.63 (Transfer Taxes). Final CD includes $12.42 credit for increase in closing cost above legal limit. Remaining $0.21 under the permissible $1 limit. Finding Resolved.<br> - Due Diligence Vendor-08/XX/2025 <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 $12.63.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $12.63 (Transfer Taxes). Final CD includes $12.42 credit for increase in closing cost above legal limit. Remaining $0.21 under the permissible $1 limit. Finding Resolved. - Due Diligence Vendor-08/XX/2025 |  | Resolved------Zero (0%) tolerance fees increased by $12.63 (Transfer Taxes). Final CD includes $12.42 credit for increase in closing cost above legal limit. Remaining $0.21 under the permissible $1 limit. Finding Resolved.<br> - Due Diligence Vendor-08/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 737; minimum required 660.<br>Qualifying DTI below maximum allowed - DTI 39.78% max 43%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CO | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100010790 |  | C A | Closed | FCRE1510 | 2025-08-12 10:23 | 2025-08-20 10:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. recorded DOT uploaded - Seller-08/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. recorded DOT uploaded - Seller-08/XX/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 44.52 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has more than 13 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | CO | Primary Residence | Purchase | NA | N/A | N/A |  |
| 110100011327 |  | C A | Closed | FCRE1497 | 2025-08-14 18:17 | 2025-08-27 11:25 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received income documentation. ATR/QM status updated. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Counter-Received confirmation only 1 child will received SSI for 3 + years-provide revised 1008/1003 removing SSI from XX year old recipient if it will not continue for 3+ years. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Rebuttal with supporting docs reg SSI Benefits - Seller-08/XX/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Documentation to evidence continuance of SSI Dependent Benefits has not been provided. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Uploaded - Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Rebuttal with supporting docs reg SSI Benefits - Seller-08/XX/2025 | Resolved-Received income documentation. ATR/QM status updated. - Due Diligence Vendor-10/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.80 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 60 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | DC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100011327 |  | C A | Closed | FCRE1506 | 2025-08-14 18:17 | 2025-08-27 11:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. ATR/QM status updated. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Counter-Received confirmation only 1 child will received SSI for 3 + years-provide revised 1008/1003 removing SSI from XXyear old recipient if it will not continue for 3+ years. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-See Rebuttal with supporting docs reg SSI Benefits uploaded - Seller-08/XX/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Documentation to evidence continuance of SSI Dependent Benefits has not been provided. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Uploaded Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Ready for Review-See Rebuttal with supporting docs reg SSI Benefits uploaded - Seller-08/XX/2025 | Resolved-Received income documentation. ATR/QM status updated. - Due Diligence Vendor-10/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.80 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 60 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | DC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100011327 |  | C A | Closed | FCRE6763 | 2025-08-15 10:16 | 2025-08-27 11:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received revised 1008/10033. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Counter-Received confirmation only 1 child will received SSI for 3 + years-provide revised 1008/1003 removing SSI from XX year old recipient if it will not continue for 3+ years. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Rebuttal with supporting docs reg SSI Benefits has been uploaded - Seller-08/XX/2025 <br> Open-Continuance of Social Security Dependent Benefits has not been documented. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Uploaded Amended 1003 and 1008 removing SSI for XX yr old recipient - Seller-08/XX/2025 <br> Ready for Review-Rebuttal with supporting docs reg SSI Benefits has been uploaded - Seller-08/XX/2025 | Resolved-Received revised 1008/10033. - Due Diligence Vendor-08/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.80 is less than the guideline max of 50.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 60 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | DC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |  |
| 110100007231 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | PA | Investment | Purchase | NA |  |  |  |
| 110100009073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt |  | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 110100012386 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | FL | Primary Residence | Purchase | NA |  |  |  |
| 110100012567 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA |  |  |  |
| 110100013672 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |  | CA | Primary Residence | Purchase | NA |  |  |  |
| 110100012083 |  | B A | Closed | FCOM1124 | 2025-09-11 00:05 | 2025-09-11 09:11 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xx-xxx-20xx ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-09/XX/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of 09-05-2025 ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-09/XX/2025<br>| Months Reserves exceed minimum required - >25 months available vs. 12 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 702 vs. min FICO 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | FL | Primary Residence | Purchase | NA | Originator Post-Close | No |  |
| 110100012825 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  | MD | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 0025-897361 |  |  | $XXXX A B |
| 837087 |  |  | $XXXX A |
| 836999 |  |  | $XXXX A |
| WS250219101 |  |  | $XXXX C A |
| WS250419843 |  |  | $XXXX A D |
| WS250419841 |  |  | $XXXX A |
| W003171 |  |  | $XXXX C A |
| WS250419832 |  |  | $XXXX C A |
| 838206 |  |  | $XXXX D A |
| 0225-900035 |  |  | $XXXX D A |
| WS250419729 |  |  | $XXXX A |
| 110100006949 |  |  | $XXXX A |
| 110100006418 |  |  | $XXXX C A B |
| 110100005412 |  |  | $XXXX A |
| 110100006866 |  |  | $XXXX A |
| WS250419794 |  |  | $XXXX A |
| 110100007787 |  |  | $XXXX D A |
| 110100007784 |  |  | $XXXX A C |
| W002777 |  |  | $XXXX A |
| WS250419857 |  |  | $XXXX A |
| 110100007138 |  |  | $XXXX A |
| 420200004377 |  |  | $XXXX A |
| 110100007711 |  |  | $XXXX A |
| 110100007384 |  |  | $XXXX C A B |
| 110100007380 |  |  | $XXXX C A B |
| W003226 |  |  | $XXXX C A |
| 110100007737 |  |  | $XXXX A |
| 110100007948 |  |  | $XXXX A B |
| 110100007826 |  |  | $XXXX A B |
| 110100008287 |  |  | $XXXX C A |
| 110100007526 |  |  | $XXXX A |
| 110100007400 |  |  | $XXXX B A |
| 110100008045 |  |  | $XXXX D B A |
| WS250419758 |  |  | $XXXX A |
| 110100008421 |  |  | $XXXX A |
| 110100008052 |  |  | $XXXX D A |
| 110100008262 |  |  | $XXXX C D A B |
| 110100007164 |  |  | $XXXX C B A |
| 110100009003 |  |  | $XXXX A |
| 110100009368 |  |  | $XXXX A |
| 110100007735 |  |  | $XXXX A |
| 110100009245 |  |  | $XXXX D B A |
| 110100008812 |  |  | $XXXX D B A |
| 110100007127 |  |  | $XXXX D B A |
| 110100008589 |  |  | $XXXX A |
| 841050 |  |  | $XXXX A B |
| 110100008354 |  |  | $XXXX A C B |
| 110100008274 |  |  | $XXXX C A |
| 1125026847 |  |  | $XXXX D A B |
| WS250520122 |  |  | $XXXX A D |
| 110100008776 |  |  | $XXXX D A B |
| 110100008135 |  |  | $XXXX D A B |
| 110100009201 |  |  | $XXXX A |
| 110100009530 |  |  | $XXXX A |
| 2000011140 |  |  | $XXXX C A |
| 110100007984 |  |  | $XXXX A |
| 110100008629 |  |  | $XXXX A B |
| WS250620398 |  |  | $XXXX C A B |
| 110100008897 |  |  | $XXXX B A |
| 110100009845 |  |  | $XXXX C A |
| 110100009784 |  |  | $XXXX D A |
| WS250419913 |  |  | $XXXX A |
| 110100009986 |  |  | $XXXX A |
| WS250620345 |  |  | $XXXX C A B |
| 110100009886 |  |  | $XXXX C A |
| 110100011126 |  |  | $XXXX A |
| 110100010481 |  |  | $XXXX A |
| 110100009625 |  |  | $XXXX C A |
| 110100006452 |  |  | $XXXX D C A |
| 110100010089 |  |  | $XXXX D A |
| 110100010946 |  |  | $XXXX A |
| 110100010105 |  |  | $XXXX A |
| 110100010855 |  |  | $XXXX A |
| 110100007914 |  |  | $XXXX A |
| 110100007982 |  |  | $XXXX B A |
| 110100010042 |  |  | $XXXX A |
| 110100007547 |  |  | $XXXX D A |
| 110100010661 |  |  | $XXXX A |
| 110100009916 |  |  | $XXXX A |
| 110100011029 |  |  | $XXXX A |
| 110100011270 |  |  | $XXXX D C A |
| 110100010790 |  |  | $XXXX C A |
| 110100011327 |  |  | $XXXX C A |
| 110100007231 |  |  | $XXXX A |
| 110100009073 |  |  | $XXXX A |
| 110100012386 |  |  | $XXXX A |
| 110100012567 |  |  | $XXXX A |
| 110100013672 |  |  | $XXXX A |
| 110100012083 |  |  | $XXXX A B |
| 110100012825 |  |  | $XXXX A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 0025-897361 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 66.18 | 66.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2025 | Eligible |  |  |
| 837087 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-19-2025 |
| 836999 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| WS250219101 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-04-2025 |
| WS250419843 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 05-02-2025 |
| WS250419841 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-30-2025 |
| W003171 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WS250419832 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-30-2025 |
| 838206 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 0225-900035 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
| WS250419729 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0337 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0337 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100006949 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-17-2025 | Eligible |  |  |
| 110100006418 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .1076 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1076 | 93.0 | 0.07 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100005412 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0702 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0702 | 88.0 | 0.12 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-22-2025 |
| 110100006866 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-12-2025 |
| WS250419794 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 72.76 | 72.76 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100007787 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0198 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0198 | 96.0 | 0.04 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 110100007784 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-19-2025 |
| W002777 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WS250419857 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0250 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0250 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-14-2025 |
| 110100007138 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 89.91 | 89.91 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 420200004377 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 05-02-2025 |
| 110100007711 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0147 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2025 |
| 110100007384 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0785 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0785 | 94.0 | 0.06 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-22-2025 |
| 110100007380 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0401 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0401 | 95.0 | 0.05 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-22-2025 |
| W003226 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 110100007737 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-21-2025 | Eligible | 1.2 | 05-21-2025 |
| 110100007948 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0072 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0072 | 98.0 | 0.02 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 110100007826 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-21-2025 |
| 110100008287 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0189 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0189 | 95.0 | 0.05 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-30-2025 |
| 110100007526 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 110100007400 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 | Eligible | 1 | 05-16-2025 |
| 110100008045 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 05-21-2025 |
| WS250419758 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 110100008421 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0098 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0098 | 97.0 | 0.03 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100008052 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-16-2025 |
| 110100008262 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-26-2025 | Eligible | 1.6 | 05-26-2025 |
| 110100007164 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 110100009003 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100009368 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100007735 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-16-2025 | Eligible |  |  |
| 110100009245 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-11-2025 | Eligible |  |  |
| 110100008812 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 06-13-2025 | Not Eligible | 1 | 06-13-2025 |
| 110100007127 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0114 | 97.0 | 0.03 | XXXX | XXXX | XX/XX/2025 | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100008589 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841050 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 110100008354 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-02-2025 |
| 110100008274 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 05-18-2025 |
| 1125026847 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 46.88 | 46.88 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WS250520122 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 79.64 | 79.64 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-17-2025 |
| 110100008776 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0145 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0145 | 95.0 | 0.05 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-27-2025 |
| 110100008135 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0094 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0094 | 95.0 | 0.05 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 | Eligible |  |  |
| 110100009201 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 52.63 | 52.63 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 | Eligible | 1 | 06-09-2025 |
| 110100009530 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0158 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0158 | 98.0 | 0.02 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011140 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100007984 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0407 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0407 | 97.0 | 0.03 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 | Eligible |  |  |
| 110100008629 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| WS250620398 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100008897 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 110100009845 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0667 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100009784 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 68.87 | 68.87 | XXXX | XXXX | -.0861 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0861 | 92.0 | 0.08 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WS250419913 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 65.1 | 65.1 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100009986 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0026 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0026 | 97.0 | 0.03 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| WS250620345 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 69.8 | 69.8 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100009886 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100011126 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0024 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0024 | 97.0 | 0.03 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-09-2025 |
| 110100010481 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 69.57 | 69.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 06-27-2025 | Not Eligible |  |  |
| 110100009625 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 47.32 | 47.32 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-09-2025 |
| 110100006452 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 58.0 | 58.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 07-01-2025 |
| 110100010089 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 |
| 110100010946 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-19-2025 |
| 110100010105 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 59.94 | 59.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 | Eligible |  |  |
| 110100010855 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 | Eligible | 1 | 07-07-2025 |
| 110100007914 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0077 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0077 | 96.0 | 0.04 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 110100007982 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 30.89 | 30.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100010042 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-24-2025 |
| 110100007547 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-08-2025 |
| 110100010661 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 110100009916 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 110100011029 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 07-02-2025 |
| 110100011270 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 89.93 | 89.93 | XXXX | XXXX | -.0281 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0281 | 93.0 | 0.07 | XXXX | XXXX | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-31-2025 |
| 110100010790 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-21-2025 |
| 110100011327 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 57.04 | 57.04 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-29-2025 |
| 110100007231 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-30-2025 |
| 110100009073 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 72.38 | 72.38 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 08-08-2025 |
| 110100012386 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-29-2025 |
| 110100012567 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 110100013672 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110100012083 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-14-2025 |
| 110100012825 |  |  | XX/XX/2025 | XXXX | XXXX | XXXX | $XXXX | XX/XX/2025 | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0174 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0174 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_002.jpg)

![](ex99-5_001.jpg)

****<br>**October 29, 2025**<br>**Due Diligence Narrative Report**<br>

![](ex99-5_002.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;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 1 October 29, 2025

![](ex99-5_002.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the PRPM 2025-NQM5 transaction. The loans referenced in this narrative report were reviewed on a flow basis from Feburary 2025 to September 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 183 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 173 | 94.54% |
| &nbsp;&nbsp;Retail | 10 | 5.46% |
| &nbsp;&nbsp;**Total** | **183** | **100.00%** |

---

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 2 October 29, 2025

![](ex99-5_002.jpg)

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

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

SAMPLING

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | ***Loan Count<br> Reviewed by<br> Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 183 | &nbsp;&nbsp; Clayton performed a Full Review based on the scope described below in the<br> section titled "TPR Component Review Scope". |
| &nbsp;&nbsp; **Total Loan**<br> **Population** | 183 |  |

---

Sponsor acquisition criteria

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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, Kroll and DBRS.

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 3 October 29, 2025

![](ex99-5_002.jpg)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit** | **Credit** | **Property** | **Property** | **Compliance** | **Compliance** |
| **Grade Description** | **Multiple\*** | **S&P** | **Multiple\*** | **S&P** | **Multiple\*** | **S&P** |
| No exceptions noted | A | A | A | A | A | A |
| Satisfied (previously material) exceptions | A | A | A | A | A | A |
| Non-material exceptions noted | B | B | B | B | B | B |
| Material, exceptions noted | C | C | C | C | C | C |
| Material documentation missing | D | D | D | D | D | D |
| \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | \* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* |

---

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 loan documentation provided to Clayton.

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

Clayton's Credit scope of review conducted on 183 loans in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Noted the field of employment and business company name for employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ The debt service coverage ratios (DSCR) are independently calculated and reviewed by Clayton and compared against the Sponsor Acquisition
Criteria.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review 1003/Application/Declarations and other documentation in the file to support occupancy is for investment purposes.

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 4 October 29, 2025

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (183 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 scope and desk review definitions, 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 (183 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

For further detail please refer to the PRPM 2025-NQM5 Valuations Summary Report.

&nbsp;&nbsp;&nbsp;&nbsp;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> and to the guidelines cited above.)

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;▪ Assessed compliance with state specific consumer protection laws by testing 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;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 5 October 29, 2025

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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;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's
undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- 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") firms' 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 15<sup>th</sup>, 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.

**<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).

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 6 October 29, 2025

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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:

State and Federal High Cost and Higher-Priced:

&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;· 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 IL high cost.

Anti-predatory lending laws

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data 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.

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 7 October 29, 2025

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**Data Compare Results**

Clayton provided PRP VI AIV Holdings, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Amortized Term | 1 | 99.45% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | 5 | 97.27% |
| &nbsp;&nbsp;Borrower 1 Total Income | 20 | 89.07% |
| &nbsp;&nbsp;Borrower 2 First Name | 4 | 97.81% |
| &nbsp;&nbsp;Borrower 2 Last Name | 1 | 99.45% |
| &nbsp;&nbsp;Borrower DSCR Percent | 8 | 95.63% |
| &nbsp;&nbsp;Cash Reserves | 99 | 45.90% |
| &nbsp;&nbsp;Combined LTV | 27 | 85.25% |
| &nbsp;&nbsp;Credit Report Date | 13 | 92.90% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 19 | 89.62% |
| &nbsp;&nbsp;Disbursement Date | 13 | 92.90% |
| &nbsp;&nbsp;Documentation Type | 1 | 99.45% |
| &nbsp;&nbsp;Ever in Foreclosure | 6 | 96.72% |
| &nbsp;&nbsp;First Payment Date | 1 | 99.45% |
| &nbsp;&nbsp;Loan Purpose | 1 | 99.45% |
| &nbsp;&nbsp;Maturity Date | 1 | 99.45% |
| &nbsp;&nbsp;Months Reserves | 97 | 46.99% |
| &nbsp;&nbsp;Next Payment Change Date | 4 | 97.81% |
| &nbsp;&nbsp;Note Rate | 2 | 98.91% |
| &nbsp;&nbsp;Number of Units | 1 | 99.45% |
| &nbsp;&nbsp;Original Appraisal Date | 13 | 92.90% |
| &nbsp;&nbsp;Original Appraised Value | 5 | 97.27% |
| &nbsp;&nbsp;Original Balance | 1 | 99.45% |
| &nbsp;&nbsp;Original LTV | 2 | 98.91% |
| &nbsp;&nbsp;Product Type | 13 | 92.90% |
| &nbsp;&nbsp;Property City | 1 | 99.45% |
| &nbsp;&nbsp;Property Type | 11 | 93.99% |
| &nbsp;&nbsp;Property Zip | 1 | 99.45% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 7 | 96.17% |
| &nbsp;&nbsp;Sales Price | 1 | 99.45% |
| &nbsp;&nbsp;Total Cash Out | 118 | 35.52% |
| &nbsp;&nbsp;Total Monthly Income | 21 | 88.52% |

---

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 8 October 29, 2025

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**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 grade

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 108 | 1 | 6 | 20 | **135** |
| **Final** | **B** |  | 20 | 11 | 17 | **48** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **108** | **21** | **17** | **37** | **183** |

---

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.

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 118 | 1 | 6 | 19 | **144** |
| **Final** | **B** |  | 21 | 6 | 12 | **39** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **118** | **22** | **12** | **31** | **183** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 169 |  | 4 | 4 | **177** |
| **Final** | **B** |  | 5 |  | 1 | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **169** | **5** | **4** | **5** | **183** |

---

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 9 October 29, 2025

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**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 110 | 1 | 1 | 4 | **116** |
| **Final** | **B** |  | 3 | 7 |  | **10** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **110** | **4** | **8** | **4** | **126** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (57 Loans)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 10 October 29, 2025

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**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non-occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

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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;▪ 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

&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

&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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 issue 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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

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- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o 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

&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 "its successors and assigns"

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 13 October 29, 2025

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**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:

&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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- 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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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"

- 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:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property relating to completeness,
reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by ¬¬Customer. The CDA will offer an
alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.
The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value
and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the
analysis for the appraisal provided to Clear Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed
appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials,
and commentary to ensure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while
also providing a final value reconciliation used to grade the loan.

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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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the 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;· 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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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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;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

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

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

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

Clayton tests 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:

---

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

---

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

Clayton tests 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 |  |

---

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 20 October 29, 2025

![](ex99-5_002.jpg)

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**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 mortgagee 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) |

---

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 21 October 29, 2025

![](ex99-5_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &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.

**<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.© 2025 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

PRPM 2025-NQM5 Due Diligence Narrative Report Page \| 22 October 29, 2025

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **PRP Advisors** | **PRP Advisors** | **PRP Advisors** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **194** | **194** | **194** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *194* | *194* | *194* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| 1052953834 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.9165 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 1052955989 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.6724 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1052979170 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 66621 | 6/30/2025 | 9.1432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 99464.6 |
| 1052982806 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0693 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1052983385 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 9374.16 | 6/11/2025 | 8.1059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1052985420 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 2090 | 6/18/2025 | 6.8982 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1052986169 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100004924 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 110100005195 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100005847 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 14155 | 5/7/2025 | 7.6131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100006140 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100006144 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100006640 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100006682 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 110100006887 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100006966 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100006987 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100006999 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 8894.5 | 4/24/2025 | 8.8245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100007050 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 6424.81 | 6/2/2025 | 9.2572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100007051 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100007084 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100007190 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100007208 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100007263 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 11581.63 | 4/29/2025 | 7.9952 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 24290.99 |
| 110100007287 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100007372 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100007395 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100007549 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 110100007557 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100007559 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.6251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 110100007624 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 6995 | 6/16/2025 | 7.5819 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100007644 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100007679 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100007698 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100007754 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 5806.5 | 5/2/2025 | 9.5131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 1772.68 |
| 110100007790 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 50000 | 5/9/2025 | 7.3417 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100007866 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100007885 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100007947 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 110100008044 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 19045 | 5/27/2025 | 8.2208 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100008073 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 10.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008074 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 10.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008089 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008119 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008170 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008171 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008210 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.9901 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008258 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 9764.09 | 6/6/2025 | 8.6645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100008267 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008290 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100008435 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.6251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100008440 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008526 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008565 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008590 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100008618 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 12651 | 6/11/2025 | 8.1457 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 110100008650 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 18865.68 | 5/29/2025 | 8.1378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100008672 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 4211.76 | 5/24/2025 | 7.6958 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 110100008695 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008724 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008774 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100008811 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 7540.13 | 6/12/2025 | 6.7897 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 4041.99 |
| 110100008840 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 3995 | 6/4/2025 | 9.8128 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9509.38 |
| 110100008860 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100008861 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 12346.8 | 6/23/2025 | 9.323 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 6632.14 |
| 110100008880 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 15238.56 | 6/3/2025 | 8.1549 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 110100008887 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 7279 | 6/12/2025 | 7.9147 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100008966 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 11626.44 | 5/28/2025 | 8.1843 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100009015 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009021 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 12987.98 | 6/5/2025 | 8.8531 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100009075 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 110100009093 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 110100009099 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009121 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.3114 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009180 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 24595 | 6/12/2025 | 8.4038 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100009220 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009229 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 14370 | 7/11/2025 | 7.5183 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 9911.99 |
| 110100009373 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009402 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009424 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009485 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009548 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009573 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009589 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 15120 | 7/8/2025 | 7.5576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100009604 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009636 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009655 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009678 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009712 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009727 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009748 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 9345 | 6/17/2025 | 8.1516 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 11684.42 |
| 110100009754 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009766 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 5995 | 6/16/2025 | 9.1128 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 14431.87 |
| 110100009817 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100009896 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 110100009922 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009923 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100009941 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010217 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 2096.43 | 7/16/2025 | 8.7465 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010272 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010283 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010384 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 14476.39 | 7/10/2025 | 8.1595 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010408 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 9.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010432 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 2300.18 | 7/14/2025 | 8.2305 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010454 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010480 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100010517 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 9.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010652 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010655 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010672 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100010732 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 9830 | 6/30/2025 | 7.4678 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010745 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 43437.81 | 7/10/2025 | 7.1673 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010793 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 15855 | 7/14/2025 | 8.7962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010811 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 5023.79 | 7/23/2025 | 7.1617 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100010814 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 22009.43 | 7/15/2025 | 8.0481 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12161.12 |
| 110100010896 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100010906 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100010963 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011007 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100011014 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011173 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 10835 | 7/14/2025 | 8.0753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100011191 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100011235 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 15340 | 7/15/2025 | 8.6505 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 110100011292 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 12183.75 | 7/10/2025 | 7.7925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9254.43 |
| 110100011309 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011372 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011438 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011453 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011497 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100011506 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100011676 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100011789 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 9.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100012015 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.5127 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100012087 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100012094 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100012225 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100012285 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100012630 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 110100012721 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.3449 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 110100013237 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 18357 | 8/25/2025 | 7.6261 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 110100013584 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 5528.75 | 8/23/2025 | 8.4856 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| 3508202 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3508363 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3508440 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3508951 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3509619 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3509623 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3510032 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3510078 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.1251 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 3510668 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3510811 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3511279 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3511461 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3511472 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 3511561 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3511677 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3511916 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512082 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 11.125 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512585 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512593 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512720 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3512734 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512771 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3512871 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 12.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3512877 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3512928 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3513003 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3513088 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3513132 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3513184 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.8596 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3513206 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 9.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200007979 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200008051 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 420200008091 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200008409 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200008965 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200009089 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 420200009621 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 420200010856 | ATR/QM: Exempt | No | Yes | XXX | XXX | No | No | 0 | 1/1/1900 | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7507407 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 14230 | 12/23/2024 | 7.3602 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 15934.96 |
| 7507929 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 7243 | 12/6/2024 | 9.4132 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 13806.47 |
| 7509018 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 22512.5 | 2/18/2025 | 7.3305 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 14270.22 |
| 7509399 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 31750 | 3/21/2025 | 7.2942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 43620.71 |
| 7510888 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 5248.72 | 6/20/2025 | 7.9574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3879.28 |
| 7510986 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 9625 | 6/4/2025 | 10.4879 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7589.69 |
| 7511063 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 29750 | 7/7/2025 | 7.5684 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 19265.41 |
| 7511323 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 8746 | 6/17/2025 | 8.1179 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4347.41 |
| 7511400 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 31702 | 6/25/2025 | 7.2378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 123187.14 |
| 7511404 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 11815 | 7/9/2025 | 9.2083 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 5140.38 |
| 7511443 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 17249.13 | 6/25/2025 | 9.5514 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 73322.15 |
| 7511449 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 11120 | 7/1/2025 | 9.4498 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 8477.99 |
| 7511608 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 19572.5 | 7/11/2025 | 7.5774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13932.96 |
| 7511658 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 11278.75 | 7/11/2025 | 8.4218 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 5711.51 |
| 7511690 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXX | XXX | No | No | 10000 | 7/9/2025 | 8.3724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5746.31 |
| <br>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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. |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client Name:** | **PRP Advisors** | **PRP Advisors** | **PRP Advisors** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **194** | **194** | **194** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *194* | *194* | *194* | *194* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *79* | *79* | *79* | *79* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final 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** |
| 1052953834 | XXX | IL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | The hazard insurance provide does not contain 6 months rent loss coverage as required by guidelines. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 91 months reserves after closing. |
| 1052953834 | XXX | IL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing cash out letter. | (No Data) | Business purpose affidavit provided. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 91 months reserves after closing. |
| 1052953834 | XXX | IL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | The articles of organization and cert of good standing for XXX were not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 91 months reserves after closing. |
| 1052955989 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO > 20 above minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 9.54% revolving credit utilization. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | Texas Home Equity | Satisfied | B | A | B | A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | Lender provided Title with Schedule showing T.42 Endorsement - exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | Texas Home Equity | Satisfied | B | A | B | A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | Lender provided Title with Schedule showing T.42.1 Endorsement - exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The Hazard Insurance for the properties XXX are missing from the loan file. | (No Data) | Property profile provided showing the properties are owned in the name of an LLC. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | A signed business narrative including details regarding the industry, size and operating profile of the business addressing location, rent, number of employees and physical assets, is missing from the loan file. | (No Data) | Business narrative provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The subject property Hazard Insurance is missing from the loan file. | (No Data) | HOI provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052979170 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | An automated fraud and data tool check is missing from the loan file. | (No Data) | Drive report provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.43% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV is low. |
| 1052982806 | XXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 credit score exceeds minimum required per guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has resided at the same residence for the past 16 years. |
| 1052983385 | XXX | DE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | Initial LE 06/XX/2025 the Discount Points is $11,056. Increase on Initial CD 07/XX/2025 to $11,628.75. Increased on Final CD 08/XX/2025 to $12,014.16 without a COC, increased of $385.41. Please provide COC addressing the latest Discount point increase. | (No Data) | Lender provided Correct COC - exception satisfiedd. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 3.76% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.62% LTV is low. |
| 1052983385 | XXX | DE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The Appraiser used comps that are more than 10 miles from the subject property. Comp #3 is 42.58 miles from the subject and Comp #5 is 27.34 miles away from the subject. | (No Data) | Appraiser comment provided. SG reviewed and approved. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 3.76% DTI is low.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.62% LTV is low. |
| 1052985420 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The tax certificate that includes the structure was not in the file. This is new construction. | (No Data) | Used 1.5% of the purchase price to determine the taxes as per guidelines. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.62% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43.63 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 score |
| 1052986169 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 750 is 50 points greater than the minimum required Fico of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48 months of reserves |
| 110100004924 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 66 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 29 months of 0x30 rental history per VOR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years living at primary residence. |
| 110100005195 | XXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 143 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 102 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.33 months of reserves in file. |
| 110100005847 | XXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Borrower's Interest | Satisfied | C | A | C | A | CMPBI1183 | MD DLLR - NTB Worksheet not signed by borrower | No | Provide executed Maryland Net Tangible Worksheet. | 6.11.25-Client provided executed NTB Worksheet. Satisfied. | 6.11.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14.9 years n the Technology field.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 167 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 73 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.05 months of reserves in file. |
| 110100005847 | XXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Borrower's Interest | Satisfied | D | A | D | A | CMPBI1179 | MD DLLR - NTB Worksheet not in file | No | Maryland Net Tangible Benefit worksheet missing. | 6.6.25-Client provided unexecuted Net Tangible Worksheet. Satisfied. | 6.6.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14.9 years n the Technology field.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 167 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 73 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.05 months of reserves in file. |
| 110100006140 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid-score per CBR. 700 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 137 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.44 months of reserves in file. 12 months required. |
| 110100006144 | XXX | GA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.Note: CDA dated 4-125 in file is not a desk review of the appraisal in the file dated 4-XX-25 by XX. | 6-19-25: client uploaded CDA dated 6-13-25. | 6-19-25: Clayton reviewed CDA done 6-13-25, $xxx appraiser xxx. Meets guidelines. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 772 exceeds the guideline program minimum of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $74,940.13, 7.01 months; 6 months reserves required. |
| 110100006640 | XXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 762 exceeds the guideline program minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $732,262.08, 120.72 months; 6 months required. |
| 110100006682 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69% is 6% below the 75% LTV allowed for the program. |
| 110100006887 | XXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | N/A | N/A | D | B | D | B | B | B | N/A | N/A | Credit | Income/Employment | Active | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | XX report reflects a XXXX and guidelines require 60 or greater. Clayton deems non-material/non-fatal to lending decision as 80% of projected revenue more than covers the PITIA and the following compensating factors: Credit score 801/660 minimum required, 80% LTV/85% maximum and long term home ownership. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 801. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% consumer credit utilization in file<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowed 85%. |
| 110100006887 | XXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | N/A | N/A | D | B | D | B | B | B | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 5-27-25: client uploaded final HUD1. | 5-27-25: Clayton reviewed final HUD1 and adjusted closing figures. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 801. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% consumer credit utilization in file<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowed 85%. |
| 110100006887 | XXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | N/A | N/A | D | B | D | B | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Non-warrantable condo due to insufficient HOA reserves of less than 10%.Lender approved exception in file. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: Credit score 801/660 minimum required, 80% LTV/85% maximum and long term home ownership. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 801. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% consumer credit utilization in file<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowed 85%. |
| 110100006966 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years residing in primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $290271.68, 71.62 months of reserves, 6 months required |
| 110100006987 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 36.47% is 13.53% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 711 is 51 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 21 months PITIA vs 0 months reserves required. |
| 110100006999 | XXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing documentation clearing XX on XX report. Name appears on the XX. | 5-30-25 Client responded: Fraudplus report provided shows alerts for xxx were cleared. Please clear6-4-25 Client Uploaded updated fraud report showing reasoning for cleared alert | 5-30-25 Clayton reviewed file and did not locate documentation to clear alerts. Provide satisfactory documentation used to clear alerts on fraud report. Exception remains. 6-4-25 Clayton reviewed updated fraud report update. Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in business per CPA letter<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 629 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $47801.39, 9.56 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.75% is below the maximum of 50% |
| 110100006999 | XXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search. Participant list pulled on 4/25 had appraiser cleared however report pulled 4/28 appraiser is not cleared. | 5-29-25 Client uploaded ASC search. | 5-29-25 Clayton reviewed search. Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in business per CPA letter<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 629 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $47801.39, 9.56 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.75% is below the maximum of 50% |
| 110100007050 | XXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, Current DTI 37.20%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12 Months Reserves Required, borrower has 13.28 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on job over 19 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at same residence over 19 years |
| 110100007051 | XXX | MT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Active | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | File has a 12 month CPA prepared Profit and Loss in file with 2 years CPA reviewed financials as opposed to the filing of the most recent business tax returns for the borrower as required per guidelines. Clayton considers this nonmaterial as borrower has over 247 months in reserves, excellent credit with loan score 792 and 36 years in the same business which has no other employees and minimal overhead operating costs. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14.3 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.3 years employed with xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 105 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $776,047.30, 247.46 months of reserves. |
| 110100007084 | XXX | CT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the following mortgage payment history: 1) Primary mortgage history from January to April 2025 (Credit report does not reflect number of months reported and the Verification of mortgage does not reflect a rating).2) Subject property mortgage history for May & June 2024 (Payment history only goes back to July 2024 & Verification of mortgage reflects open date of 4-30-24 but no rating information and not on the credit report). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of .22%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.29% is below the maximum allowable of 70%. |
| 110100007190 | XXX | NJ | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP155 | Application Missing | No | Missing completed and signed application for XX. | 6-18-25: client uploaded completed and signed application for XX. | 6-18-25: Clayton reviewed completed and signed application for xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.59 months piti reserves. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 753. 700 minimum. |
| 110100007190 | XXX | NJ | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing full fraud report for XX and XX - loan number XX. Fraud report contained a fraud report for loan number XX - not our borrower. | 6-9-25 Client uploaded fraud report. 6-10-25 Client uploaded SAM search. | 6-9-25 Clayton reviewed fraud report which reflects a EPLS/SAM alert for xxx. Provide satisfactory SAM.GOV search that clears borrower. Exception remains. 6-10-25 Clayton reviewed Sam search. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.59 months piti reserves. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 753. 700 minimum. |
| 110100007190 | XXX | NJ | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4238 | Business entity does not meet guidelines | No | Missing evidence of EIN/Tax identification number for XX. Clayton deem non-material/non-fatal to lending decision due to compensating factors: Credit score of 753/700 minimum and 22.59 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.59 months piti reserves. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 753. 700 minimum. |
| 110100007208 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 754 exceeds the guideline program minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $181,606.97, 37.61 months; no reserves required. |
| 110100007263 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File reflects $10,000 gift funds received by settlement agent for subject transaction. Per NON-QHEM guidelines gift funds are not allowed when borrower is a Non-Permanent Resident Alien. Clayton deems this non-material/non-fatal to the lending decision due to comp factors: 102.05 months cash reserves/12 months required, Credit score 684/680 minimum, DTI 31.37%/50% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $646,467.70, 102.05 months; 12 months required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same industry to 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 684 is above the required 680 for Non-Permanent Resident Aliens.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.37% is below the maximum allowable 50%. |
| 110100007287 | XXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $390,000 above the required $310,000 down payment for a total down payment of $700,000.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.55% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $222.855.86, 41.44 months; 6 months required. |
| 110100007372 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 105 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 467 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $153,450.17 = 89.49 months, 6 months required. |
| 110100007395 | XXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing account ownership for the XX account XX. If ownership is not one of the 2 Borrowers, then Gift Funds verification guidelines apply. | 6-6-25 Client uploaded proof of ownership. | 6-9-25 Clayton reviewed bank document reflecting borrowers name. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.96% is lower than max allowed of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 33 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is above the required 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 5%. |
| 110100007549 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $40,972.61 , 16.80 months; 6 months reserves required. |
| 110100007557 | XXX | SC | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Condo project is non-warrantable due to the investor concentration exceeding 60%. Investor concentration is 73%. Lender provided an approved exception to move forward. Clayton considers this as non material, borrower has reserves of 145 months with 6 months required, credit score of 798 with minimum required of 700, with 5 years no late payments on mortgages. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $325834.29, 145.04 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months reviewed primary residence mtg exceeds 12 months required |
| 110100007559 | XXX | IL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV is 75% for a purchase with a foreclosure greater than 24 months but less than 36 months. Loan closed at 80%. Fraud report (Page 8) reflects a foreclosure on property located at XX on 2-24-23. Clayton deems non-material/non-fatal to lending decision due to the compensating factors: Credit score 746/660 minimum, Minimal credit usage and 19.22 months cash reserves/0 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $45,576.54, 19.22 months. 0 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 is above the required 660. |
| 110100007624 | XXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | B | B | D | B | D | A | B | B | B | B | Compliance | State Consumer Protection | Active | B | B | B | B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | SC Home Loans - Broker 'Amounts Earned' Disclosure is missing in the file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 122 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 123 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 98.52 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.17% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 110100007624 | XXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | B | B | D | B | D | A | B | B | B | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Master insurance does not verify required hazard and property coverage. | 7-14-25 Client uploaded master policy. | 7-14-25 Clayton reviewed master policy. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 122 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 123 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 98.52 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.17% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 110100007624 | XXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | B | B | D | B | D | A | B | B | B | B | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Project is 91% rented and guidelines allow no more than 60%. Clayton considers this non material, borrower has excellent credit with credit score of 809, 10 years credit history with no late payments, and low LTV of 47.17% when 90% is maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 122 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 123 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 98.52 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.17% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 110100007644 | XXX | CT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80% and maximum allowed is 75%; borrower is using 100% gift funds, the minimum of 5% borrower own funds is not met. The XX XX account 5-8-25 has a balance of $XX and this balance includes the $230,000 gift. Clayton considers this non material as borrower has good credit history with 760 credit score, previous positive mortgage history dating to 2006, and minimal credit usage of 3% and previous experience with investment property management. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on any mortgage with previous mortgages dating to 2006.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 760. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% consumer credit utilization in file |
| 110100007679 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 69 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 13 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.66 months of reserves in file. |
| 110100007698 | XXX | OK | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing guaranty signed by xxx. | 6-6-25 Client uploaded signed Guaranty. | 6-9-25 Clayton reviewed signed Guaranty. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $49,926.56, 9.76 months, no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 724 and minimum is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has made all consumer loan payments on time for 14 years. |
| 110100007754 | XXX | MO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $2,208.23 in cash reserves. Borrower's Post Close Assets are $15,354.13 or 10.49 months of PITIA reserves.Required PITIA Reserves are $1,463.53 x 12 months = $17,562.36. Clayton deems non-material/non-fatal to lending decision due to compensating factors: credit score of 795/680 minimum, Mortgage history of 143 months (current and previous)/12 months required, borrower has 7 years on current job and Primary housing payment decrease of $195.47. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 7 years on current job.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower is reducing monthly housing payment from $1,659 to $1,463.53 = $195.47 monthly savings.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 7.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.61% is below the maximum allowable 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 143 months reported mortgage history (Present and previous) which exceeds the required 12 months. |
| 110100007790 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Texas Home Equity | Satisfied | C | B | C | B | CMPTXHE115 | TX Equity - TX 12 - Day disclosure not signed by borrower/owners | No | Notice concerning Extensions of Credit form not signed by borrower. | 6.16.25-Client provided Notice concerning Extensions of Credit form signed. Satisfied. | 6.16.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds the maximum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $1,733, 020.95, 79.86 months reserves, 9 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.90% is below the maximum of 50% |
| 110100007790 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Texas Home Equity | Satisfied | C | B | C | B | CMPTXHE120 | TX Equity - TX 12 - Day discl date unknown; unable to verify timeframe | No | Notice concerning Extensions of Credit form not dated. Unable to determine if 12 day time frame met. | 6.16.25-Client provided Notice concerning Extensions of Credit form signed. Satisfied. | 6.16.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds the maximum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $1,733, 020.95, 79.86 months reserves, 9 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.90% is below the maximum of 50% |
| 110100007790 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable | No | Missing MLS photo for Comp 6 on appraisal dated 5/8/25. Comps photo shows a plastic fence around the home. | 6-18-25: client uploaded picture of comp 6 from realtor.com. | 6-18-25: Clayton reviewed picture of comp 6 from realtor.com. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds the maximum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $1,733, 020.95, 79.86 months reserves, 9 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.90% is below the maximum of 50% |
| 110100007866 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $52,608.59, 41 months; no reserve required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.64% and maximum is 65%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has made on time mortgage payments for 62 months. |
| 110100007885 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 726 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing reserves $21,019.08, 4.92 months; no reserves required |
| 110100007947 | XXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of satisfactory hazard insurance. Annual premium expected to be: $1,542 | 7-17-25 Client uploaded HOI. | 7-17-25 Clayton reviewed HOI and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months exceeds the required 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has occupied primary residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $9,381.15 or 2.94 months PITIA reserves) > required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 622 is above the required 620. |
| 110100008044 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 11 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 749 exceeds the guideline program minimum of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $82,991.02, 8.53 months; 6 months reserves required. |
| 110100008073 | XXX | MA | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship on final 1003 | 6-19-25: client uploaded copy of 1003. | 6-19-25: Clayton reviewed 1003, confirms borrower is US citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $356,447.93, 35.54 months reserves, 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 83.76% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700 |
| 110100008073 | XXX | MA | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation April payment has been made for XX secured to primary residence. Based on billing statement dated 4/18/25, the 3/31 payment, referenced on credit supplement, was for March 1st payment and as of 4/18, April payment is past due. | 6-19-25: Client states HEM accepts B grade. | 6-19-25: Client states HEM accepts B grade. Exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $356,447.93, 35.54 months reserves, 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 83.76% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700 |
| 110100008073 | XXX | MA | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable | No | Provide correct side photos of XX. Side photos of the subject property are the same side photos of property located at XX appraisal. | 6-24-25: client uploaded updated appraisal. | 6-24-25: Clayton reviewed updated appraisal; appraiser comments on p12 verify properties are attached, xxx on the left and xxx on the right. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $356,447.93, 35.54 months reserves, 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 83.76% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700 |
| 110100008073 | XXX | MA | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable | No | Clarification on photo for listing 5. Address reflects XX, which is the subject however XX reflects address as XX. | 6-24-25: client uploaded updated appraisal. | 6-24-25: Clayton reviewed updated appraisal; appraiser comments on p12 verify properties are attached, xxx on the left and xxx on the right. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $356,447.93, 35.54 months reserves, 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 83.76% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700 |
| 110100008074 | XXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $339,439.64, 33.81 months reserves, 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 83.76% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 months reviewed for primary residence mortgage exceeds the 12 months required |
| 110100008089 | XXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 762 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $189,666.49, 80.84 months; 6 months reserves required. |
| 110100008119 | XXX | AZ | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing completion of residency status on the final 1003. Unable to determine if borrower is a US Citizen, Permanent Resident Alien, Non- Permanent Resident Alien or Foreign National. | 6-2-25 Client responded that 1003 was uploaded.6-2-25 Client uploaded 1003. | 6-2-25 Clayton found uploads for another file (xxx) in subject file. Exception remains. 6-2-25 Clayton reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $63855.06, 26.65 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 777 exceeds the minimum of 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized |
| 110100008119 | XXX | AZ | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan being paid off does not meet rate/term guidelines. 1.4.1.2. Mortgage is a PIK loan being paid off. Per the original Note in file no payments were required until payoff due on 11/1/25.Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: 26.65 months cash reserves/0 months required, Credit score 777/640 minimum and 0% credit usage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $63855.06, 26.65 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 777 exceeds the minimum of 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized |
| 110100008170 | XXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 758 exceeds the guideline program minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $127,507.92, 31.29 months; 6 months reserves required. |
| 110100008171 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 766 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $31,162.74, 9.04 months; 6 months reserves required. |
| 110100008210 | XXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20.89 months piti reserves. 0 months required. |
| 110100008258 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing primary housing verification of rental at $2500 for at least most recent 12 months at XX. | 6-25-25 Client replied: HTEM accepts B Grade | 6-25-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 is above the required 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $70,786.56, 21.38 months. 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.12% is below the maximum allowable 50%. |
| 110100008267 | XXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 6-13-25 Client uploaded HUD | 6-13-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $57,469.39, 8.26 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 710 and minimum is 700 |
| 110100008290 | XXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing evidence of EMD of $19,960 clearing Borrower's verified account prior to asset verification date (XX or XX) to meet required cash reserves of $31,721.76. Provide copy of wires.Reviewer using assets of $250,010.09 from XX dated 6-20-25. XX dated 4-17-25 was not counted as there are transfers reflected on XX and no way to know if other transfers occurred from 4-17-25 to 5-21-25. Short $19,496.68. | 7-24-25 Client responded: Uploaded May statement, 1008, 1003, EMD and communication on money. First and second EMD is paid out May 05, 2025 page 11. FIRST EMD was refunded back to the borrower, and then re-wired to escrow May when the 2nd EMD for this transaction was collected. First EMD was for the INITIAL home they were purchasing, that loan fell out (grayhawk), and that first EMD was applied to THIS transaction. | 7-24-25 Clayton reviewed file and uploaded docs. Added xxx to assets and credited $10,000 EMD per xxx statement reflecting wire out that matches date of EMD receipt. Cash reserves now $51,691.77. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $51,691.77, 9.78 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $XX above the required $XX down payment for a total down payment of $XX. |
| 110100008435 | XXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Borrower is receiving cash out in the amount of $XX. Max allowed per g/l is $300,000.00 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 79.70 months piti reserves |
| 110100008440 | XXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserve $22,330.42 = 2.9 months, none required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 months of 0x30 mortgage history per CBR. |
| 110100008526 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying credit score per CBR, minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 39.15 months of reserves in file. |
| 110100008565 | XXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $183,731.21, 69.91 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.42% is below the maximum allowable of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 23 months exceeds the required 12 months. |
| 110100008590 | XXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $105,982.66 , 16.85 months; 6 months reserves required. |
| 110100008618 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 27 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months of 0x30 rental history per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.96 months of reserves in file. |
| 110100008650 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Excessive DTI at 52.95% and missing documentation supporting licensed in Texas. | 7-15-25 Client replied: 1. I recalculated income. We are able to use 15% expense factor due to borrower meets the guideline. Income is actually more than what it closed at. 2. Guideline and Program does not require borrower to provide business license to show he is allowed to work please remove | 7-15-25 Clayton recalculated income based on 15% expense factor. DTI is 31.15%. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $55909.02, 13.22 months reserves, 6 months required |
| 110100008650 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | DTI not to exceed 45% due to borrower is a first time homebuyer. Qualifying income differs due to using most current business bank statements as of May 2025. Income $9,460.60 with DTI of 52.95%. | 7-15-25 Client replied: 1. I recalculated income. We are able to use 15% expense factor due to borrower meets the guideline. Income is actually more than what it closed at. 2. Guideline and Program does not require borrower to provide business license to show he is allowed to work please remove | 7-15-25 Clayton recalculated income based on 15% expense factor. DTI is 31.15%. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $55909.02, 13.22 months reserves, 6 months required |
| 110100008672 | XXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months cancelled rent checks verifying primary residence payment history. Per Non-arm's length transaction between tenant and landlord, 12 months canceled rent checks required. Exception granted to move forward with 12 months cash payment history | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 exceeds the minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.17% is below the 43% max<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $34805.23, 9.65 months reserves, 6 months required |
| 110100008672 | XXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Missing renewal insurance for the Master Insurance general liability and property coverages. Master Insurance provided expired 6/8/25. Loan closed 6/13/25. | 6-24-25: client uploaded renewed master insurance. | 6-24-25: Clayton reviewed renewed master insurance, in force 6-8-25 and expiring 6-8-26. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 exceeds the minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.17% is below the 43% max<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $34805.23, 9.65 months reserves, 6 months required |
| 110100008695 | XXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 774. G/l min is 700 |
| 110100008724 | XXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing subject Flood Cert. | 7.28.25 Please see uploaded flood cert.7.29.25 exception satisfied | 7.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.59% is below the maximum allowable of 70%.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Current PITIA payment is $3,215.70; Subject PITIA is $2,308.53. Monthly savings of $907.17 |
| 110100008774 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.19% LTV below guideline requirements of 70% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrower has resided at current residence for 35 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $223,650.21 , 72.41 months; 6 months reserves required. |
| 110100008811 | XXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 16 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 636 exceeds the guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.84% LTV below guideline requirements of 80% per program. |
| 110100008840 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 702 is 22 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 36% is 9% below the 45% allowed for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 7 years reviewed. |
| 110100008860 | XXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Active | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | XX report used for short term income in DSCR calculation with a sub-market score of 40 does not meet Sub-Market score guideline requirement of 60 or greater. Clayton deems non-material/non-fatal to lending decision as report indicates projected revenue with a high confidence score and compensating factors: Credit score 650/640 minimum required, 30.19 months reserves/0 months required, minimal credit use at 10.46%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 650 mid-score per CBR. 640 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.19 months of reserves in file. 0 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 10.46%. |
| 110100008861 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Active | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $4,531.83 in cash reserves. Total assets verified $87,781.84 (Chase 4-24-25 #5570 $4,000 + #6050 $210.14, Wells Fargo 6-12-25 $67,449.28 + #6889 6-6-25 $17. + Eligible pension lump sum $44,885.78 ($64,122.54 x 70%)= $116,562.20 - 55,000 gift funds already received = $61,562.20 + Eligible gift funds for transaction $26,219.64 (total cash required $47,173.59 - $20,953.95 5% B requirement)) - cash required at closing $42,173.59 = cash reserves $45,608.25.Clayton deems non-material/non-fatal to lending decision as only 1.08 months short and compensating factors: credit score 719/680 required, Minimal credit use at 2% and over 10 years on job. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Client has been at current position for 10 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of revolving accounts with credit usage at 2%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 credit score exceeds minimum FICO of 680 |
| 110100008880 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $120,779.58 (14.51 months PITIA reserves) > min required of 6 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 10.10% DTI < max permitted of 50% |
| 110100008887 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 32.9 years employed in the Cosmetology field.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 381 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.52 months of reserves in file. |
| 110100008966 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 731 exceeds the minimum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $126992.16, 16.16 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 7.05% is below the maximum of 43%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% of revolving credit utilized |
| 110100009015 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > minimum required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x 44 months > maximum permitted of 1x30 x12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit @ 9.48% |
| 110100009021 | XXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 13 years in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 10.02% is 32.98% below the 43% allowed for the program. |
| 110100009075 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.52 is below guideline requirement max of 65.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $300,000 or 42.53 months PITI reserves exceed required reserves of ($7,053.45 x 6 = $42,320.70). |
| 110100009093 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 mid score > min required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $12,573.88 (4.41 months PITIA reserves) > min required of $0.00 |
| 110100009099 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $85,596.17, 23.32 months, no reserves required. |
| 110100009121 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $191,618.07, 47.67 months, 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 791 and minimum is 700<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has made all mortgage payments on time for 12 years. |
| 110100009180 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing copy of the Note, final CD or settlement statement and the homeowners insurance for the property on XX supporting PITIA of $21,739.94. | 7-14-25 Client responded: Loan for property on XX has not closed or funded. The borrower is not the owner of the property until loan has funded. All we can provide at this time is an estimated payment coupon, HOI and tax cert (uploaded). | 7-14-25 Clayton reviewed documents which supported an estimated payment of $XX. Document deemed acceptable since loan has not closed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 687 exceeds the guideline program minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $1,043,329.16, 44.71 months; 9 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.13% is below the maximum allowable 50%. |
| 110100009180 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing copy of the Note, final CD or settlement statement and the homeowners insurance for the property on XX supporting PITIA of $21,739.94. | 7-14-25 Client responded: Loan for property on XX has not closed or funded. The borrower is not the owner of the property until loan has funded. All we can provide at this time is an estimated payment coupon, HOI and tax cert (uploaded). | 7-14-25 Clayton reviewed documents which supported an estimated payment of $XX. Document deemed acceptable since loan has not closed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 687 exceeds the guideline program minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $1,043,329.16, 44.71 months; 9 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.13% is below the maximum allowable 50%. |
| 110100009180 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower has two loans with HEM with over $4,000,000 exposure. Lender approved. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: Credit score 687/680 minimum, DTI 30.13%/50% maximum and 44.71 months cash reserves/9 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 687 exceeds the guideline program minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $1,043,329.16, 44.71 months; 9 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.13% is below the maximum allowable 50%. |
| 110100009220 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 655 mid score > minimum required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Three (3) active mortgages:(1) 0x30 x 36 months > maximum permitted of 1x30 x12 months(2) 0x30 x 51 months > maximum permitted of 1x30 x12 months(3) 1x30 x 50 months = maximum allowed of 1x30 x 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $3,371.15 (1.20 months PITIA reserves) > minimum required reserves: $0.00 |
| 110100009229 | XXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 40.91%; guidelines allow 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 647 is 27 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.83% is below the guideline maximum of 50%. |
| 110100009373 | XXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $53,972.69, 9.03 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 28.21%. |
| 110100009402 | XXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 is 84 points above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has used only 10% of available credit. |
| 110100009424 | XXX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 6-30-25: Client uploaded final HUD1. | 6-30-25: Clayton reviewed final HUD1. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 76 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 FICO required for the program. |
| 110100009485 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.01%. Maximum is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $264,999.46 or 24.25 months reserves, none required. |
| 110100009548 | XXX | AZ | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing market or submarket score from the XX report, a minimum score of 60 is required. | 7-14-25 Client uploaded XX. | 7-14-25 Clayton reviewed AirDNA report and updated DSCR calculation. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 242 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32.06 months of reserves in file. |
| 110100009573 | XXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 7-21-25 Client uploaded final HUD. | 7-23-25 Clayton reviewed HUD. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.11 is below guideline requirement max of 75.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves: $283,188.63 or 108.86 months PITI reserves exceed required reserves of ($2,599.82 x 6 = $15,598.92).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds guideline requirement of 700. |
| 110100009589 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below guideline max of 80.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $555,764.55 or 39.66 months PITI reserves exceed required reserves of ($14,014.49 x 9 = $126,130.41).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds guidelines. |
| 110100009604 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $241851.87, 53.43 months reserves, 6 months required |
| 110100009636 | XXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 is 25 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 110100009655 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $64,088.37 (11.96 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x40 months > max permitted of 1x30 x12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit @ 2.20% |
| 110100009678 | XXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1. | 7-11-25 Client uploaded HUD. | 7-14-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $105,219.61, 13.17 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 741 and minimum is 680<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late payments on mortgages with 19 months history. |
| 110100009712 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified FICO 768. Guideline minimum 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. The guideline maximum is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $223,898.15, 107.26 months. No reserves are required. |
| 110100009727 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > minimum required of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV < maximum permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x54 months > maximum permitted of 1x30 x12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit @ 7.13%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $63,918.97 (23.47 months PITIA reserves) > minimum required reserves of $0.00 |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Lease/rental income and PITIA details for the following properties: xxx (Rent $2440 & PITIA $2236.16), XX (rent $3100, PITIA $1971.16), 2811 XX (rent $1422, PITIA $2245.65), 424 Superior Pl (rent $3100, PITI $1971) and XX (Rent $2660, PITIA $2,721.16).NOTE: DTI subject to change. | 8-5-25 Client uploaded PITA info.8-13-25 Client replied: Uploaded evidence of rental income (Lease Agreements) | 8-5-25 Clayton reviewed documents. Still need evidence of rental income and HOI for XX. Exception remains. 8-14-25 Clayton reviewed documents uploaded including leases for 4 properties and evidence of HOI. DTI updated to 50.88% as lease for XX was not provided. New non-material DTI exception added. This exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide evidence of borrowers ownership & access to XX. | 8-5-25 Client uploaded evidence of ownership. | 8-5-25 Clayton reviewed operating agreement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide Verification of mortgage history for the following properties: XX (PITI $2107.95), XX (PI $2671.94), XX (PITI $2116.70), XX (PITI $1970.02) and XX (PITI $2,338.96). | 8-13-25 Client replied: Provided verification of mortgage history for all REO properties listed. See uploaded docs | 8-14-25 Clayton reviewed all uploaded docs and did not locate a verification of mortgages or a credit supplement. Please note - added details to the exception based on the previously provided mortgage statements. Still missing 12 month history for each property. Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Active | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | New Exception due to DTI change to 50.88% without lease on XX. Clayton deems non-material/non-fatal to lending decision as DTI is less than 1% over limit and the following compensating factors: LTV 80%/85% max, Credit score 686/680 minimum, 10.60 months cash reserves/6 months required, 8 years on the job, and 17 months primary mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide PITIA details for the following properties: xxx (PITIA $2236.16), XX (PITIA $1971.16), 2811 XX (PITIA $2245.65), XX (PITI $1971) and XX (PITIA $2,721.16).NOTE: DTI subject to change. | 8-5-25 Client uploaded evidence of PITIA info. 8-13-25 Client replied: Uploaded closing statement showing the amount of premium paid by the borrower for the XX (HOI premium). | 8-5-25 Clayton reviewed mortgage statements and HOA info. Updated data points to reflect total REO debt at $12,616.58. Missing HOI for XX to satisfy this exception as mortgage statement reflects no escrow - took real estate taxes from fraud report at $974.09 per month. Exception remains pending HOI for XX. 8-14-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009748 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing rental income/lease agreements for the following properties: XX (Rent $2440), XX (rent $3100), XX (rent $1422), XX (rent $3100) and XX (Rent $2660).NOTE: DTI subject to change. | 8-5-25 Client replied: Uploaded PITIA details for rental properties.8-12-25 Client replied: Uploaded evidence of rental income (Lease Agreements) | 8-5-25 Clayton reviewed uploaded documents and did not find evidence of rental income. Exception remains. 8-14-25 Clayton reviewed leases for XX at $XX, XX at $XX, XX at $XX and XX at $XX. Missing lease for XX at $XX. New exception for DTI at 50.88% without XX lease. This exception is satisfied based on 4 leases received and new DTI exception. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $42,509.35 or 10.60 months PITI reserves exceed required reserves of ($4,011.06 x 6 = $24,066.36).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is above the required 680. |
| 110100009754 | XXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 75% LTV is maximum allowed per guidelines for a Near Noni < 1.0 DSCR Investment Purchase transaction. Subject loan was approved at 80% LTV. 5% LTV exception. Grade 2/B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 130 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 55.29 months of reserves in file. |
| 110100009766 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | Rural properties not allowed on the NON-QHEM program. Clayton considers this non material, property is located in area with stables values and marketing time <3 months; borrower has good credit history with score 657/620, and 49 months cash reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 657 is 37 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x44 months mortgage payment history above required 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $99,075.57/49.54 PITIA which is > guideline minimum of 6 months PITIA. |
| 110100009817 | XXX | CO | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Property value of $XX not supported by AVM. | (No Data) | Lender provided CDA with original file submission. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 267 months of 0x30 of revolving trade utilization per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 219 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $15,628.89, 7.64 months; no reserves required. |
| 110100009896 | XXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $11,402.74 , 6.13 months; 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 15 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 110100009922 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $303,504.08, 127.08 months; 6 months reserves required. |
| 110100009923 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 742 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $303598.08, 123.56 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 43 months reviewed for primary residence mtg exceeds the 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% of revolving credit utilized |
| 110100009941 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $121,216.38 (61.89 months PITIA reserves) > min required of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score < minimum required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV < maximum permitted of 85% |
| 110100010217 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $55,560.23 or 22.13 months PITI reserves, exceed required reserves of ($2,510.73 x 3 = $7,532.19).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.70 is below guideline requirement. |
| 110100010272 | XXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,217.93= 29 months, none required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 263 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 mortgage history per CBR. |
| 110100010283 | XXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 799. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 110100010384 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of768 is above the required 680 for P&L program<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of21.81 is below the maximum allowable50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of19 months exceeds the required 12 months. |
| 110100010408 | XXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $18,958.28, 10.49 months. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 24 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 7.56%. |
| 110100010432 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $96,113.26 or 14.91 months PITI reserves exceed required reserves of ($6,447.20 x 12 = $77,366.40).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.47 is below guideline requirement max of 50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds guideline requirement of 700. |
| 110100010454 | XXX | GA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 consecutive months of rent paid as required by guidelines. Provide verification of rents paid for October 2024. | 8-20-25 Client replied: HEM accepts B grade | 8-21-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of775 is above the required 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 25%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Cash reserves: $11,389.23, 4.53 months of PITIA. 0 months required. |
| 110100010480 | XXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing documentation to verify gift funds were transferred per guidelines 1.6.4.1.1 | 7-28-25 uploaded gift wire | 7-31-25 Clayton reviewed wire which matches gift letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 726. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% consumer credit utilization in file |
| 110100010517 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 2.0884 (Rents $4125 / Expenses $1975.22)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $31573.70, 15.98 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 months reviewed for primary residence mtg exceeds the required 12 months |
| 110100010652 | XXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 677. Minimum required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $116,397.99 or 36.47 months. 0 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has good credit with no late payments |
| 110100010655 | XXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 677 is 17 points above minimum program requirement of 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have0x30x19 months mortgage payment history above the 1x30x12 guideline.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 16.28% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $127,987.67, 32.65 months; guideline 0 months. |
| 110100010672 | XXX | SC | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Documentation | Active | B | B | B | B | CMPDOC879 | Loan subject to mandatory arbitration clause | No | Promissory note includes arbitration provision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $49,843.71 exceed required reserves of $0.00. |
| 110100010732 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 7/15/25 is before end of statutory rescission period. | 7.28.25-Provide PCCD with correct disbursement date of 7/16/2025. Trid loan.7.29.25-Client provided updated PCCD issued 7/22/25. Satisfied. | 7.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12.6 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.2 years employed with xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.87% LTV per review, 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid-score per CBR. 680 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 261 months of 0x30 consumer credit history per CBR. |
| 110100010745 | XXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Section 32 | Satisfied | C | B | C | B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide undiscounted, starting rate via XX or XX. | 7.25.25- Provide the un-discounted starting rate. OR Within 30 days of loan closing notify the borrower of the error AT THE BORROWER'S OPTION either make the loan a compliant high-cost mortgage, or make restitution and/or change the terms such that the loan is no longer a high-cost mortgage. See Reg Z, Section 31, for more rules around this provision. If the loan remains high cost at the borrower's option the grade will remain a 3/C.7.28.25-Client provided un-discounted starting rate. Satisfied. | 7.28.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 5 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 is 54 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 33.91% is 16.09% below the 50% allowed for the program. |
| 110100010745 | XXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of hazard insurance with premium of $3459.73. | 7-24-25 Client uploaded HOI. | 7-25-25 Clayton reviewed HOI and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 5 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 is 54 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 33.91% is 16.09% below the 50% allowed for the program. |
| 110100010793 | XXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | Maximum DTI is 50%, reviewers DTI is 50.47% and Lenders DTI is 34.36%. Lender DTI used gross rental income of $7627.52, lender did not subtract rental property expenses of $3755. Reviewer net rental income is $3362.37. Clayton considers this non material, borrower has 12 years steady employment in 100% owned business, borrower has experience managing investment properties, credit score is 742/680, and 16 months reserves with 12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $57,768.10, 16.12 months; 12 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 742 > 62 points above guideline program minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 3 years and 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed at current job for the past 12 years and 6 months. |
| 110100010811 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of657 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of50 is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $77,853.20 or 18.72 months of PITIA. 3 months required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is $5449.16; Subject PITI is $4157.72. Monthly savings of $1291.44 |
| 110100010814 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 is 60 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.58% is below the guideline minimum of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $101,737.13, 17.44 months; 12 months reserves required. |
| 110100010896 | XXX | CA | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing comments of what appears to be a boarded up window in rear photo of subject with the AC unit. Appraisal does not state if this is a health and safety issue. | 8-29-25 Client replied: Uploaded updated appraisal, please see verbiage included on the addendum addressing the boarded window. | 9-2-25 Clayton reviewed updated appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $165695.12, 115.57 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.56% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 672 exceeds the minimum of 660 |
| 110100010906 | XXX | WI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Guaranty missing 4 notarized pages. Notary page copies in file are blank. | 7-28-25 Client uploaded complete notary pages | 7-31-25 Clayton reviewed notary pages. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 & 25 months for xxx and 17 months for xxx exceeds the required 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have over 6 years at current residence. |
| 110100010906 | XXX | WI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing Final HUD. HUD in file reflects $316,110.48 due from borrower and does not reflect borrower closing cost or the loan amount of $XX.Cash required cannot exceed total assets verified at $106,169.53. | 7.28.25 uploaded FSS7.31.25 exception satisfied | 7.31.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 & 25 months for xxx and 17 months for xxx exceeds the required 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have over 6 years at current residence. |
| 110100010906 | XXX | WI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | C | B | C | B | CRDTER3256 | Seller contributions exceed guideline requirements | No | Based on final HUD provided on 7-28-25 borrower's total contribution was $XX ($45,169.95 cash required at closing + $725 POC + $3,500 EMD). Short $480.05 of the required down payment of $XX due to seller concessions of $10,000 and tax/water & sewer prorations of $2,889.52. | 7-31-25 Client replied: HEM accepts B grade | 8-4-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 & 25 months for xxx and 17 months for xxx exceeds the required 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have over 6 years at current residence. |
| 110100010963 | XXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 701 is 1 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 23% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x30 months mortgage/rent payment history exceeding guideline requirement of 1x30x12. |
| 110100011007 | XXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; guidelines allow 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 671 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $82,602.28, 25.26 months. 6 months required. |
| 110100011014 | XXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $14552.62, 6.93 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% revolving credit utilized |
| 110100011173 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 8.5 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low usage of available revolving credit lines @ 27.88%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: $94,111.20 (34.18 months PITIA) > min required of 3 months PITIA reserves |
| 110100011191 | XXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal form 1007 is not signed by the appraiser. | 9.2.25 Uploaded signed 10079.3.25 exception satisfied | 9.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of680 is above the required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $6008.88 or 2.63 months of PITIA. 0 months required. |
| 110100011191 | XXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing Certificate of Completion for repairs on appraisal. | 9.2.25 Uploaded 1004d9.3.25 exception satisfied | 9.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of680 is above the required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $6008.88 or 2.63 months of PITIA. 0 months required. |
| 110100011235 | XXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 is 18 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $49,167.59/9.63 ITIA which is > guideline minimum of 6 months ITIA. |
| 110100011292 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is 37 points above minimum program requirement of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $68,998.38/19.09 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.28% is below the guideline minimum of 50%. |
| 110100011309 | XXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $60,000.11 or 24.93 months PITI reserves exceed required reserves of ($2,406.97 x 6 = $14,441.82).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history per VOM is more than 60 months and exceeds guideline requirement of a 12 month history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers reside at their primary residence for 15 years. |
| 110100011372 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 782. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $956,355.82 or 153.06 months piti reserves. 0 months required. |
| 110100011438 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 is 82 points above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x53 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has used only 11% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $2,061,974.07, 319.26 months; 0 required. |
| 110100011453 | XXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 814 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $65,995.23, 12.38 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 85% max. |
| 110100011497 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is 104 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 3% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x99 months mortgage payment history above guideline requirement of 1x30x12. |
| 110100011506 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $434,484.64 or 117.06 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 639 exceeds minimum of 620. |
| 110100011676 | XXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784. Guideline minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $212,152.38, 36.16 months. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 69 months positive housing payment history exceeds the guideline requirement of 12 months. |
| 110100011789 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived a current residence for the past 3 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 723 >63 points above guideline program minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 182 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,024,573.80 post closing reserves, 115.51 months, 0 months required |
| 110100012015 | XXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 782. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 57 months. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% consumer credit utilization in file |
| 110100012087 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below guideline requirement max of 80.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $16,401.99 or 4.78 months PITI reserves exceed required reserves of ($3,428.81 x 3 = $10,286.43).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.60 is below guideline requirement max of 50. |
| 110100012094 | XXX | TX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing payoff for xxx secured to the subject property | 8-13-25 Client uploaded payoff. | 8-15-25 Clayton reviewed payoff. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 668 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% of revolving credit used<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.48% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $78455.14, 27.55 months reserves, 0 months required |
| 110100012225 | XXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing evidence of paid security deposit for the lease signed on 7-31-25 on subject property; per guidelines, this is required for lease signed after application date. Without the lease, maximum LTV is 70%; current LTV is 76.05% as appraised value is used for rate term refinance. | 8-22-25 Client replied: Uploaded proof of receipt for $1450 security deposit coming from tenant listed on the lease agreement | 8-25-25 Clayton reviewed receipt of security deposit. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $23,678.72, 8.89 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.05%; guidelines 80%. |
| 110100012285 | XXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $122,518.72 exceed required reserves of ($3,651.77 x 6 = $21,910.62).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 715 exceed guidelines. |
| 110100012630 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is 62 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 3% of available revolving credit. |
| 110100012721 | XXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 679 >19 points above guideline program minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 10 years and 0 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 110100013237 | XXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $40,512.82 in cash reserves. 90% LTV requires 12 months cash reserves or $146,642.40. Cash reserves = $106,128.58 which includes a business account with 30% of total counted based on ownership percentage per guidelines. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 776/720 minimum, DTI 21.62%/45% maximum and 2.5 years on current job. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 776 is above guideline program minimum of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 2 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 2 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.62% is below the minimum program requirement of 45%. |
| 110100013237 | XXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing Verification of Rental History for XX at $6000 per month. | 9-17-25 Client uploaded proof of payment of $XX to XX for 13 months. | 9-17-25 Clayton reviewed evidence of consistent payments to XX for 13 months. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 776 is above guideline program minimum of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 2 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 2 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.62% is below the minimum program requirement of 45%. |
| 110100013237 | XXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing CPA letter noted on Verbal Verification of CPA for both borrowers. | 9-17-25 Client responded: see attached thank you :) | 9-17-25 Clayton reviewed letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 776 is above guideline program minimum of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 2 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 2 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.62% is below the minimum program requirement of 45%. |
| 110100013584 | XXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Documentation Used to Determine Legal Residency. B1 disclosed on application a citizenship status of permanent resident. However no documentation was provided to determine legal residency. | 9-12-25 Client replied: please see attach for Permanent Resident card :) | 9-16-25 Clayton reviewed permanent resident alien card. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of721 is above the required 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of33.44 is below the maximum allowable 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $106,120.81 or 21.53 months of PITIA. 12 months required. |
| 3508202 | XXX | ID | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $XX is below minimum loan amount of $100,000. | 3/10/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $40,351.58 or 54.73 months PITI, guidelines required 0 months PITI. |
| 3508363 | XXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Within subject Refinance, this Borrower will have 4 open loans with this lender and all are on Investment properties. Guidelines limit open loans to the same Borrower to 4, with 1 must be on owner-occupied principal residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed since 1/1/1994 (31 years).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 737 exceeds min score requirement of 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99. |
| 3508440 | XXX | TX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI of $3389.00 for REO on XX as stated on the final 1003. | 04/09/2025 lender provided PITI | 04/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds guidelines 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.24% is below guideline requirement of 50%. |
| 3508440 | XXX | TX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing verification of Lease for REO on XX of $2025.00 as stated on final 1003. | 04/09/2025 lender response: Uploading 1007 for XX from recent purchase. UW correctly used 75% since it was a new purchase of an NOO without a lease in place. | 04/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds guidelines 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.24% is below guideline requirement of 50%. |
| 3508440 | XXX | TX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower is purchasing investment property with less than the required 15% (60000) of purchase price when gift funds provided. Borrower invested XXXX. | 04/09/2025 lender response: Updated ULAW with comp factors uploaded04/10/2025 client acknowledged exception | 04/09/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and DTI.04/10/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds guidelines 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.24% is below guideline requirement of 50%. |
| 3508951 | XXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 695 exceeds min score requirement of 625.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x34.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 7 years. |
| 3509619 | XXX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Loan is 1 of 7 mtgs with borrower. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has mortgage payment history 0x30 since 8/2008.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds guidelines 650. |
| 3509619 | XXX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing payoff for subject reflecting $XX. Subject is part of a cross collateral that is being separated out. Missing evidence $XX will satisfy lien. | 05/05/2025 lender response: Uploading the FSSs from the other 3 loans that were cross collateralized and closed with xxx, all 4 add up to the demand amount. | 05/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has mortgage payment history 0x30 since 8/2008.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds guidelines 650. |
| 3509623 | XXX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Loan is 1 of 7 mtgs with borrower. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; 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 20 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 23 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $58,876.23 or 40.66 months PITI, guidelines required 0 months PITI. |
| 3509623 | XXX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing payoff for subject reflecting $K. Subject is part of a cross collateral that is being separated out. Missing evidence $XX will satisfy lien. | 05/05/2025 exception satisfied | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; 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 20 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 23 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $58,876.23 or 40.66 months PITI, guidelines required 0 months PITI. |
| 3510032 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $237,047.19 or 83.63 months PITI, guidelines required 0 months PITI. |
| 3510078 | XXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed since 1/1/2005 (20 years 3 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69% is below maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 787 exceeds min score requirement OF 750. |
| 3510668 | XXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing mortgage payment history for the prior loan. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.16%; max allowed per guidelines is 70%. |
| 3510668 | XXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Title report not found in the loan file. | 07/01/2025 lender provided Title report | 07/01/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.16%; max allowed per guidelines is 70%. |
| 3510811 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746 exceeds guidelines 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 12/2006. |
| 3511279 | XXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Total assets verified $7,708.17. CTC $123,497.38; Short asset of $115,789.21. XX stmt in file is from Dec 2024. | 7/18/25- Client uploaded updated bank stmt reflecting sufficient funds for closing. | 7/18/2025 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 is > the minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence of 5 years. |
| 3511461 | XXX | NV | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradelines; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $259,194.37. CTC $94,272.90 leaves reserves of $164,921.47 or 106.18 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is > the minimum of 620. |
| 3511472 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 3511561 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 757 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x70. |
| 3511677 | XXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 703. |
| 3511916 | XXX | IN | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 10 loans with xxx which exceeds limit of 4. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is > the minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 4 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage reviewed for 47 months with 0 x 30 |
| 3511916 | XXX | IN | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject property is an Investment Property, Missing documentation to support the borrower contributed a portion of their own sourced and seasoned funds to the transaction at a minimum of 10% of the purchase price. | 07/16/2025 lender response: Updated ULAW uploaded. Exception made by XX to allow for the borrower to contribute 0% of purchase price. All funds due at closing are gift funds from spouse.07/21/2025 client acknowledged exception | 07/16/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score, Mortgage Payment History and Time at Current Residence.07/21/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is > the minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 4 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage reviewed for 47 months with 0 x 30 |
| 3512082 | XXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.35% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 639 FICO score. Minimum required 600. |
| 3512585 | XXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing fully executed xxx Authorization for Automatic Mortgage Payment form and copy of a voided check with account #/ABA#, ACH is required for loans closing in an Entity. | 8/12/25- Client uploaded the same ACH disclosure that was already in file that reflects mthly stmt. Based on prior overlays for Entity loans- Business Entities require ACH for payments. Is this no longer required? 08/14/2025 lender provided updated ULAW08/14/2025 client acknowledged exception | Exception remains pending response08/14/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Time at Current Residence.08/14/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 5 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is > the minimum of 660. |
| 3512593 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of 197,868.13 exceed guides. |
| 3512720 | XXX | UT | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Provide the complete appraisal, file contains pages 1-4 only. | 07/18/2025 lender provided Appraisal | 07/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self-employed for 6 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $314,574.46 - $3,091.43 x 6 months = $18,548.58 Require Reserves = $296,025.88/$3,091.43 PITIA = 95.76 additional months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.87% and guidelines allow the DTI to be 40% |
| 3512720 | XXX | UT | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed | No | Missing appraisal signature page | 07/18/2025 lender provided Appraisal | 07/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self-employed for 6 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $314,574.46 - $3,091.43 x 6 months = $18,548.58 Require Reserves = $296,025.88/$3,091.43 PITIA = 95.76 additional months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.87% and guidelines allow the DTI to be 40% |
| 3512720 | XXX | UT | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR284 | Appraiser License Missing | No | Missing appraisers license and E&O Insurance | 07/18/2025 lender provided Appraisal | 07/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self-employed for 6 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $314,574.46 - $3,091.43 x 6 months = $18,548.58 Require Reserves = $296,025.88/$3,091.43 PITIA = 95.76 additional months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.87% and guidelines allow the DTI to be 40% |
| 3512734 | XXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 710 FICO score. Minimum required 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 35 months reviewed reports 0 late payments. |
| 3512771 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 32.07% |
| 3512871 | XXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 616 is > the minimum of 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years 6 months. |
| 3512877 | XXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self- employed with XX for 8 years and 6 months.<br>CFCFS1739: Postive mortgage payment history<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 $99,561.98 or 33.14 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.53%, max per guidelines is 50.49%. |
| 3512928 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 718 exceeds guidelines 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage payment history. |
| 3513003 | XXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 709 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x40. |
| 3513088 | XXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $536,266.57. CTC $106,620.04 leaves reserves of $429,646.53 or 216 mos. No Reserves required. |
| 3513132 | XXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 Years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 27.99% |
| 3513184 | XXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $342,779.79. CTC $100,015.86 leaves reserves of $242,763.93 or 86.75 mos. Reserves required 0 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum of 80%. |
| 3513206 | XXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 669 FICO score. Minimum required 640.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower's have an excellent mortgage payment history with 76 months reviewed reporting 0 late payments. |
| 420200007979 | XXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $107817.19, 26.78 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 28 months reviewed for primary residence mtg exceeds 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% revolving credit utilized |
| 420200008051 | XXX | KY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Residency status on 1003 is blank; review was unable to determine borrower's citizenship. | 7-11-25 Client uploaded application with residency. | 7-14-25 Clayton reviewed 1003 and updated residency. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 150 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.55 months of reserves in file. |
| 420200008091 | XXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > minimum required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $76,802.15 (9.87 months PITIA reserves). Required reserves: $0.00 |
| 420200008409 | XXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $927,259.11 or 108.54 months PITI reserves exceed required reserves of ($8,543.01 x 3 = $25,629.03).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 exceeds minimum required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months as found on credit report exceeds the 12 month history requirement per guidelines. |
| 420200008965 | XXX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing signed Personal Guaranty by XX (50% owner of XX).Guidelines (section 4.14 - page 143) state: Personal Guarantees are required from the authorized signor(s) who are borrowers on the loan ALONG with any individual with 50% or greater ownership in the entity. | 7-1-25: Client uploaded copy of Limited Liability Company Resolution of XX. | 7-1-25: Clayton reviewed copy of Limited XX. The resolution states that Eileen O'Rourke is authorized to sign all loan documents in connection of the loan $XX from the Lender. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is above the required 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 4.83%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $9,982.61, 3.53 months. 0 months required. |
| 420200008965 | XXX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Provide ASC search for appraiser (XX) to clear alert on fraud report. | 7-1-25: Client uploaded copy of ASC search for the appraiser.7-2-25: client uploaded copy of ASC search for the appraiser. | 7-1-25: Clayton reviewed copy of ASC search for the appraiser. ASC search finds no records of appraiser. Exception remains.7-2-25: Clayton reviewed copy of ASC search for the appraiser, search verifies appraiser is active in the National Registry. Exception satisfied.. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is above the required 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 4.83%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $9,982.61, 3.53 months. 0 months required. |
| 420200009089 | XXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds guideline requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $180,374.71 or 49.44 months PITI reserves exceed guideline requirement of $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 42 months exceeds required 12 months per guidelines. |
| 420200009621 | XXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 698 is 38 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 38 months PITIA vs 0 months reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 5.5 years reviewed. |
| 420200010856 | XXX | TN | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Provide evidence of Hazard Insurance. | 8-1-25 Client uploaded hazard insurance.8-4-25 Client emailed that HOI was sent with letter from agent stating no losses reported between 7-17-25 and 7-18-25. | 8-1-25: Clayton reviewed hazard insurance, it does not meet requirements, Disbursement date 7-17-25, Hazard insurance effective 7-18-25. Exception remains.8-4-25 Clayton reviewed HOI and letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 729 exceeds guideline requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $2,441.87 exceeds guideline requirement of $0.00 |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 of $4964 due to Appraisal fee $100 & Transfer Taxes $4864 increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | Client provided explanation of fees starting on LE 11/7/24 but the Initial LE issued 11/2/24.LE 11/2/24 Appraisal fee disclosed $575 & increased on LE 11/7/24 $1150 & changed on CD 1/2/25 $675 through Closing for a difference of $100. LE 11/2/24 Transfer Taxes fee disclosed $2000 & increased on LE 12/23/24 $7216 with a COC stating change to $4223.75 & increased on CD 1/2/25 $7216 & decreased on Final CD 1/22/25 $4368 and Increased on PCCD 1/29/25 $6864. $6864 - COC $4223.75 = $2640.25 + $100 Appraisal = $2740.252.20.25-Client provided DocMagic LE & CD Log showing LE 11/2/24 was not issued to borrower. | 2.13.25-Exception Remains.2.20.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Credit | Assets | Waived | B | B | B | B | CRDAST115 | Cash reserves do not meet guidelines | No | LTV does not meet qualifications to waive impounds. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets calculated 2.22 months reserves. Per guidelines, 6 months reserves required. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Credit | DTI | Waived | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | Calculated DTI at 51.54% exceeds the maximum DTI of 50%. Lender miscalculated monthly debt, and excluded subject PITI in DTI calculation. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV lowered 5% because of declining values. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507407 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Appraisal reflects declining property values. Lender acknowledged and provided an exception for LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with xxx for 9 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. |
| 7507929 | XXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject property on 28.62 acres that exceeds the maximum of 25 acres. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 6/2003.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.73% is below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self employed at current job for 25 years. |
| 7509018 | XXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | State Consumer Protection | Waived | B | B | B | B | CMPSTCP2129 | MD Counseling Notice not in file | No | Provide MD Counseling Notice. | 4.10.25-Client acknowledged MC Counseling Notice is missing. And requested status be changed from Open/Active to Waive/Closed. | 4.10.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed since 5/5/2015 (9 years ,10 months).<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x28.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Borrower credit score of 763 exceeds min score requirement OF 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.65% is below maximum of 80%. |
| 7509399 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | A | C | B | B | B | B | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/24/25 was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed 3/24/25. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,043,204.58 or 67.66 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.33%, max per guidelines is 50%. |
| 7509399 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | A | C | B | B | B | B | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/24/25 was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed 3/24/25. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,043,204.58 or 67.66 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.33%, max per guidelines is 50%. |
| 7509399 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | A | C | B | B | B | B | B | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for credit score of 740, cash out refinance, is 75%. Subject LTV is 80%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,043,204.58 or 67.66 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.33%, max per guidelines is 50%. |
| 7509399 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | B | B | C | A | C | B | B | B | B | B | C | A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Per guidelines, 2 appraisals are required for Refinances greater than $1.5. Subject loan amount is $XX. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,043,204.58 or 67.66 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.33%, max per guidelines is 50%. |
| 7510888 | XXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified. $10,157.17 CTC- $1,707.27. Leaves reserves of $8,449.90 or 3.10 mos. Required 6 mos. | 08/08/2025 lender response: Updated ULAW uploaded08/08/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Time self employed and Time at Current Residence.8/11/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 6 years 8 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self-employed for 3 years 5 months. |
| 7510986 | XXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.94%; max allowed per guidelines is 70%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 66 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.27%, max per guidelines is 50.49%. |
| 7511063 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum of 75% for cash out transaction. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has successfully maintained employment as an Administrative Assistant for 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned and operated is Transportation business for 20 years. |
| 7511063 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Loan is cash out refinance transaction with loan amount greater than $1,500,000.00, two appraisals are required. | 08/07/2025 lender provided Updated ULAW uploaded08/07/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Time at Current Job and Time in Profession.08/07/2025 client acknowledged exception | 08/07/2025 Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has successfully maintained employment as an Administrative Assistant for 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned and operated is Transportation business for 20 years. |
| 7511323 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 Years and 11 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 6 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 724. |
| 7511400 | XXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed since 7/9/2014 or 11 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 746 exceeds min score requirement of 700. |
| 7511404 | XXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $71,592.82. CTC $43,835.22. Leaves reserves of $27,757.60 or 7.88 months PITIA. Required reserves 12 mos. Lender exception approval provided | 8/12/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 Years and 1 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700 File credit score 763.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 4 months in current profession. |
| 7511443 | XXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guideline MAX LTV 85%. Lender acknowledged exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 0 months in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 10.28% |
| 7511449 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Discrepancy caused by Title - XX Update Fee of $250. Fee should be included as an APR fee but Loan Detail Report shows not APR tested. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 8.14.25-Client provided PCCD issued 8/13/25, copy of refund check & tracking information. | 8.14.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.31%, max per guidelines is 50.49%. |
| 7511449 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Discrepancy caused by Title - XX Update Fee of $250. Fee should be included as an APR fee but Loan Detail Report shows not APR tested. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 8.14.25-Client provided PCCD issued 8/13/25, copy of refund check & tracking information. | 8.14.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.31%, max per guidelines is 50.49%. |
| 7511449 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per guidelines 12 months reserves are required for LTV >85%. Assets confirmed 10.03 months reserves. | 8/11/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.31%, max per guidelines is 50.49%. |
| 7511608 | XXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 44.27%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 60%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 Years and 0 months at current residence. |
| 7511658 | XXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing verification of Gift funds of $XX from wire transfer or escrow receipt of funds. | 8/11/25- Nothing provided Exception remains8/12/25- Client uploaded gift wire transfer for XXXX- comment they are ok with reduced gift funds no updated gift letter required. | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.12% and guidelines allow the DTI to be 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in the same profession for 15 years. |
| 7511658 | XXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $56725.30 Verified. CTC: $37,893.43. Post-Closing Assets: $18,831.87 or 6.64 months reserves. 12 months reserves required. Lender exception approval provided | 8/11/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.12% and guidelines allow the DTI to be 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in the same profession for 15 years. |
| 7511690 | XXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | Recording fees increase of $21.50 above tolerance, added with no valid COC. Provide proof of refund, revised Closing Disclosure, COC explaining changes within 60 days of discovery with proof of delivery via shipping method that includes tracking information. | 8.14.25-Client provided PCCD issued 8/13/25, copy of refund check & tracking information. | 8.14.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $257,350.59. CTC $0 (cash out loan) leaves reserves of $257,350.59 or 92 mos. No Reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive over the review period. |
| 7511690 | XXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 12 months bank statements required, 11 months in file. Missing July. | 08/14/2025 lender response: Bank Statement sent out08/14/2025 Clayton response: Bank Statement was not received. Please upload again.08/14/2025 lender response: Bank Statement re-uploaded | 08/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $257,350.59. CTC $0 (cash out loan) leaves reserves of $257,350.59 or 92 mos. No Reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive over the review period. |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **PRP Advisors** | **PRP Advisors** | **PRP Advisors** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** | **2/7/2025 - 9/15/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **194** | **194** | **194** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *194* | *194* | *194* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *79* | *79* | *79* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 1052953834 | Yes | XXX | XXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 1052955989 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1052979170 | Yes | XXX | XXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | No |
| 1052982806 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1052983385 | Yes | XXX | XXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | No |
| 1052985420 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 1052986169 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100004924 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100005195 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100005847 | Yes | XXX | XXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 110100006140 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100006144 | Yes | XXX | XXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 110100006640 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100006682 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100006887 | Yes | XXX | XXX | D | B | D | B | B | B | N/A | N/A | D | B | D | B | B | B | N/A | N/A | Yes |
| 110100006966 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100006987 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100006999 | Yes | XXX | XXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 110100007050 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007051 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100007084 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 110100007190 | Yes | XXX | XXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 110100007208 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100007263 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100007287 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007372 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007395 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100007549 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100007557 | Yes | XXX | XXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Yes |
| 110100007559 | Yes | XXX | XXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 110100007624 | Yes | XXX | XXX | D | B | D | A | B | B | B | B | D | B | D | A | B | B | B | B | Not Applicable |
| 110100007644 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100007679 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007698 | Yes | XXX | XXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 110100007754 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100007790 | Yes | XXX | XXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable |
| 110100007866 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007885 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100007947 | Yes | XXX | XXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 110100008044 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008073 | Yes | XXX | XXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable |
| 110100008074 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008089 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008119 | Yes | XXX | XXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 110100008170 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008171 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100008210 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008258 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 110100008267 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100008290 | Yes | XXX | XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 110100008435 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100008440 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008526 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008565 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100008590 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008618 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008650 | Yes | XXX | XXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| 110100008672 | Yes | XXX | XXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 110100008695 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100008724 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100008774 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100008811 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008840 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008860 | Yes | XXX | XXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 110100008861 | Yes | XXX | XXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 110100008880 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008887 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100008966 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009015 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009021 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009075 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100009093 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100009099 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100009121 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009180 | Yes | XXX | XXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Yes |
| 110100009220 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009229 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100009373 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100009402 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100009424 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100009485 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009548 | Yes | XXX | XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 110100009573 | Yes | XXX | XXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 110100009589 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100009604 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009636 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100009655 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100009678 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100009712 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100009727 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009748 | Yes | XXX | XXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | No |
| 110100009754 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 110100009766 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 110100009817 | Yes | XXX | XXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 110100009896 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009922 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100009923 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100009941 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100010217 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100010272 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100010283 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100010384 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100010408 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100010432 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100010454 | Yes | XXX | XXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 110100010480 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 110100010517 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100010652 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100010655 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100010672 | Yes | XXX | XXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 110100010732 | Yes | XXX | XXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 110100010745 | Yes | XXX | XXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 110100010793 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 110100010811 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100010814 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100010896 | Yes | XXX | XXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 110100010906 | Yes | XXX | XXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 110100010963 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100011007 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011014 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100011173 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011191 | Yes | XXX | XXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 110100011235 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011292 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011309 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100011372 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100011438 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100011453 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 110100011497 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011506 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100011676 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100011789 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100012015 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 110100012087 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 110100012094 | Yes | XXX | XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 110100012225 | Yes | XXX | XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 110100012285 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100012630 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 110100012721 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 110100013237 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 110100013584 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 3508202 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 3508363 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 3508440 | Yes | XXX | XXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 3508951 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 3509619 | Yes | XXX | XXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 3509623 | Yes | XXX | XXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 3510032 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3510078 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 3510668 | Yes | XXX | XXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 3510811 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 3511279 | Yes | XXX | XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 3511461 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 3511472 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3511561 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3511677 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3511916 | Yes | XXX | XXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 3512082 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3512585 | Yes | XXX | XXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 3512593 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3512720 | Yes | XXX | XXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 3512734 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3512771 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3512871 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3512877 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3512928 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 3513003 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3513088 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 3513132 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3513184 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3513206 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 420200007979 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 420200008051 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 420200008091 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 420200008409 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 420200008965 | Yes | XXX | XXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | No |
| 420200009089 | Yes | XXX | XXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 420200009621 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 420200010856 | Yes | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 7507407 | Yes | XXX | XXX | C | B | B | B | B | B | C | B | C | B | B | B | B | B | C | B | Yes |
| 7507929 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 7509018 | Yes | XXX | XXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Yes |
| 7509399 | Yes | XXX | XXX | C | B | B | B | B | B | C | A | C | B | B | B | B | B | C | A | Yes |
| 7510888 | Yes | XXX | XXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 7510986 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 7511063 | Yes | XXX | XXX | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Not Applicable |
| 7511323 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 7511400 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 7511404 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 7511443 | Yes | XXX | XXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 7511449 | Yes | XXX | XXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 7511608 | Yes | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 7511658 | Yes | XXX | XXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 7511690 | Yes | XXX | XXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | PRP Advisors | PRP Advisors | PRP Advisors |  |
| **Client Project Name:** | PRPM 2025-NQM5 | PRPM 2025-NQM5 | PRPM 2025-NQM5 |  |
| **Start - End Dates:** | 2/7/2025 - 9/15/2025 | 2/7/2025 - 9/15/2025 | 2/7/2025 - 9/15/2025 |  |
| **Deal Loan Count:** | 194 | 194 | 194 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *194* | *194* | *194* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 1052953834 | XXX | Total Cash Out | XX | XX |
| 1052955989 | XXX | Combined LTV | 80.00 | 70.00 |
| 1052955989 | XXX | Note Rate | 7.25 | 6.8750 |
| 1052955989 | XXX | Original Appraised Value | XX | XX |
| 1052955989 | XXX | Original Balance | XX | XX |
| 1052955989 | XXX | Original LTV | 80.00 | 70.00 |
| 1052955989 | XXX | Property Type | SFR-Attached | SFR |
| 1052955989 | XXX | Sales Price | XX | XX |
| 1052979170 | XXX | Property Type | SFR | Detached PUD |
| 1052979170 | XXX | Total Cash Out | XX | XX |
| 1052982806 | XXX | Amortized Term | 240 | 360 |
| 1052982806 | XXX | Total Cash Out | XX | XX |
| 1052985420 | XXX | Property Type | SFR | Detached PUD |
| 1052986169 | XXX | Note Rate | 7.5 | 7.6250 |
| 1052986169 | XXX | Property City | XX | XX |
| 1052986169 | XXX | Total Cash Out | XX | XX |
| 110100004924 | XXX | Property Type | SFR | Detached PUD |
| 110100004924 | XXX | Total Cash Out | XX | XX |
| 110100005195 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100006140 | XXX | Cash Reserves | 1457749.26 | 388947.44 |
| 110100006140 | XXX | Months Reserves | 16.00 | 15.44 |
| 110100006140 | XXX | Original Appraisal Date | 03/XX/2025 | 03/XX/2025 |
| 110100006140 | XXX | Total Cash Out | XX | XX |
| 110100006144 | XXX | Cash Reserves | 87567.00 | 74940.13 |
| 110100006144 | XXX | Months Reserves | 9.00 | 7.01 |
| 110100006144 | XXX | Property City | XX | Dalonega |
| 110100006144 | XXX | Total Cash Out | XX | XX |
| 110100006640 | XXX | Borrower 2 First Name | XX | XX |
| 110100006640 | XXX | Cash Reserves | 1010656.83 | 732262.08 |
| 110100006640 | XXX | Combined LTV | 68.36 | 75.00 |
| 110100006640 | XXX | Months Reserves | 129.00 | 120.72 |
| 110100006640 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100006640 | XXX | Total Cash Out | XX | XX |
| 110100006682 | XXX | Cash Reserves | 107445.03 | 16488.45 |
| 110100006682 | XXX | Combined LTV | 66.66 | 69.00 |
| 110100006682 | XXX | Months Reserves | 94.00 | 7.78 |
| 110100006682 | XXX | Total Cash Out | XX | XX |
| 110100006887 | XXX | Credit Report Date | 04/01/2025 | 04/09/2025 |
| 110100006887 | XXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 110100006887 | XXX | Total Cash Out | XX | XX |
| 110100006966 | XXX | Disbursement Date | 05/08/2025 | 05/09/2025 |
| 110100006966 | XXX | Ever in Foreclosure | No | Yes |
| 110100006987 | XXX | Disbursement Date | 05/09/2025 | 05/12/2025 |
| 110100006987 | XXX | Total Cash Out | XX | XX |
| 110100006999 | XXX | Borrower 1 Total Income | 15196.33 | 15157.72 |
| 110100006999 | XXX | Cash Reserves | 180331.68 | 47801.39 |
| 110100006999 | XXX | Combined LTV | 77.74 | 80.00 |
| 110100006999 | XXX | First Payment Date | 06/XX/2025 | 07/XX/2025 |
| 110100006999 | XXX | Maturity Date | 05/01/2055 | 06/01/2055 |
| 110100006999 | XXX | Months Reserves | 7.00 | 9.56 |
| 110100006999 | XXX | Original Appraisal Date | 04/XX/2025 | 04/XX/2025 |
| 110100006999 | XXX | Total Cash Out | XX | XX |
| 110100006999 | XXX | Total Monthly Income | 15196.33 | 15157.72 |
| 110100007050 | XXX | Cash Reserves | 55570.36 | 23700.07 |
| 110100007050 | XXX | Months Reserves | 13.00 | 13.28 |
| 110100007050 | XXX | Total Cash Out | XX | XX |
| 110100007051 | XXX | Cash Reserves | 926545.85 | 776047.30 |
| 110100007051 | XXX | Months Reserves | 246.00 | 247.46 |
| 110100007051 | XXX | Total Cash Out | XX | XX |
| 110100007084 | XXX | Disbursement Date | 05/21/2025 | 05/19/2025 |
| 110100007084 | XXX | Total Cash Out | XX | XX |
| 110100007190 | XXX | Cash Reserves | 479219.87 | 108254.90 |
| 110100007190 | XXX | Months Reserves | 48.00 | 22.59 |
| 110100007190 | XXX | Original Appraisal Date | 05/XX/2025 | 04/XX/2025 |
| 110100007190 | XXX | Total Cash Out | XX | XX |
| 110100007208 | XXX | Borrower DSCR Percent | 0.8297 | 1.0369 |
| 110100007208 | XXX | Cash Reserves | 395694.35 | 181606.97 |
| 110100007208 | XXX | Months Reserves | 126.00 | 37.61 |
| 110100007208 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100007208 | XXX | Total Cash Out | XX | XX |
| 110100007263 | XXX | Borrower 1 Total Income | 35395.66 | 35395.67 |
| 110100007263 | XXX | Cash Reserves | 773456.27 | 646467.70 |
| 110100007263 | XXX | Combined LTV | 77.65 | 80.00 |
| 110100007263 | XXX | Months Reserves | 102.00 | 102.05 |
| 110100007263 | XXX | Total Cash Out | XX | XX |
| 110100007263 | XXX | Total Monthly Income | 35395.66 | 35395.67 |
| 110100007287 | XXX | Cash Reserves | 928477.36 | 222855.86 |
| 110100007287 | XXX | Months Reserves | 41.00 | 41.44 |
| 110100007287 | XXX | Original Appraisal Date | 05/XX/2025 | 05/XX/2025 |
| 110100007287 | XXX | Total Cash Out | XX | XX |
| 110100007372 | XXX | Total Cash Out | XX | XX |
| 110100007395 | XXX | Cash Reserves | 286572.16 | 112900.04 |
| 110100007395 | XXX | Months Reserves | 21.00 | 25.01 |
| 110100007395 | XXX | Total Cash Out | XX | XX |
| 110100007549 | XXX | Cash Reserves | 120915.49 | 40972.61 |
| 110100007549 | XXX | Combined LTV | 63.00 | 75.00 |
| 110100007549 | XXX | Months Reserves | 82.00 | 16.80 |
| 110100007549 | XXX | Property Type | SFR | Detached PUD |
| 110100007549 | XXX | Total Cash Out | XX | XX |
| 110100007557 | XXX | Cash Reserves | 441269.94 | 325834.29 |
| 110100007557 | XXX | Months Reserves | 165.00 | 145.04 |
| 110100007557 | XXX | Total Cash Out | XX | XX |
| 110100007559 | XXX | Cash Reserves | 128997.31 | 45576.54 |
| 110100007559 | XXX | Ever in Foreclosure | No | Yes |
| 110100007559 | XXX | Months Reserves | 19.00 | 19.22 |
| 110100007559 | XXX | Total Cash Out | XX | XX |
| 110100007624 | XXX | Borrower 1 Total Income | 17868.96 | 17869.00 |
| 110100007624 | XXX | Cash Reserves | 366460.76 | 88826.09 |
| 110100007624 | XXX | Months Reserves | 14.00 | 22.51 |
| 110100007624 | XXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 110100007624 | XXX | Total Cash Out | XX | XX |
| 110100007624 | XXX | Total Monthly Income | 17868.96 | 17869.00 |
| 110100007644 | XXX | Cash Reserves | 213032.82 | 0.00 |
| 110100007644 | XXX | Months Reserves | 79.00 | 0.00 |
| 110100007644 | XXX | Total Cash Out | XX | XX |
| 110100007679 | XXX | Property Type | SFR | Low Rise Condo (1-4) |
| 110100007679 | XXX | Total Cash Out | XX | XX |
| 110100007698 | XXX | Cash Reserves | 170000.00 | 49926.56 |
| 110100007698 | XXX | Combined LTV | 79.65 | 85.00 |
| 110100007698 | XXX | Months Reserves | 10.00 | 9.76 |
| 110100007698 | XXX | Total Cash Out | XX | XX |
| 110100007754 | XXX | Total Cash Out | XX | XX |
| 110100007790 | XXX | Total Cash Out | XX | XX |
| 110100007866 | XXX | Cash Reserves | 212551.37 | 52608.59 |
| 110100007866 | XXX | Total Cash Out | XX | XX |
| 110100007885 | XXX | Borrower DSCR Percent | 1.3928 | 1.5248 |
| 110100007885 | XXX | Cash Reserves | 97741.23 | 21019.08 |
| 110100007885 | XXX | Combined LTV | 82.70 | 85.00 |
| 110100007885 | XXX | Months Reserves | 22.00 | 4.92 |
| 110100007885 | XXX | Total Cash Out | XX | XX |
| 110100007947 | XXX | Borrower 1 Self Employed Flag | Yes | No |
| 110100007947 | XXX | Cash Reserves | 165505.64 | 9381.15 |
| 110100007947 | XXX | Months Reserves | 101.00 | 2.94 |
| 110100007947 | XXX | Total Cash Out | XX | XX |
| 110100008044 | XXX | Cash Reserves | 172572.64 | 82991.02 |
| 110100008044 | XXX | Credit Report Date | 05/05/2025 | 05/14/2025 |
| 110100008044 | XXX | Disbursement Date | 06/09/2025 | 06/10/2025 |
| 110100008044 | XXX | Months Reserves | 21.00 | 8.53 |
| 110100008044 | XXX | Total Cash Out | XX | XX |
| 110100008073 | XXX | Total Cash Out | XX | XX |
| 110100008074 | XXX | Cash Reserves | 356247.00 | 339439.64 |
| 110100008074 | XXX | Months Reserves | 53.00 | 33.81 |
| 110100008074 | XXX | Total Cash Out | XX | XX |
| 110100008089 | XXX | Disbursement Date | 06/06/2025 | 06/11/2025 |
| 110100008119 | XXX | Credit Report Date | 05/07/2025 | 04/24/2025 |
| 110100008119 | XXX | Total Cash Out | XX | XX |
| 110100008170 | XXX | Cash Reserves | 304271.77 | 127507.92 |
| 110100008170 | XXX | Months Reserves | 35.00 | 31.29 |
| 110100008170 | XXX | Original Appraisal Date | 04/XX/2025 | 04/XX/2025 |
| 110100008170 | XXX | Total Cash Out | XX | XX |
| 110100008171 | XXX | Borrower 1 Self Employed Flag | Yes | No |
| 110100008210 | XXX | Cash Reserves | 125460.47 | 29531.30 |
| 110100008210 | XXX | Months Reserves | 124.00 | 20.89 |
| 110100008210 | XXX | Original Appraisal Date | 06/XX/2025 | 05/XX/2025 |
| 110100008210 | XXX | Total Cash Out | XX | XX |
| 110100008258 | XXX | Borrower 1 Total Income | 8701.99 | 9700.67 |
| 110100008258 | XXX | Cash Reserves | 95929.49 | 70786.56 |
| 110100008258 | XXX | Combined LTV | 79.15 | 90.00 |
| 110100008258 | XXX | Debt to Income Ratio (Back) | 46.9610 | 42.1218 |
| 110100008258 | XXX | Months Reserves | 20.00 | 21.38 |
| 110100008258 | XXX | Total Cash Out | XX | XX |
| 110100008258 | XXX | Total Monthly Income | 8701.99 | 9700.67 |
| 110100008267 | XXX | Cash Reserves | 345559.85 | 57469.39 |
| 110100008267 | XXX | Combined LTV | 69.20 | 75.00 |
| 110100008267 | XXX | Disbursement Date | 06/04/2025 | 06/06/2025 |
| 110100008267 | XXX | Months Reserves | 90.00 | 8.26 |
| 110100008267 | XXX | Total Cash Out | XX | XX |
| 110100008290 | XXX | Cash Reserves | 307838.84 | 51691.77 |
| 110100008290 | XXX | Months Reserves | 17.00 | 9.78 |
| 110100008290 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100008290 | XXX | Total Cash Out | XX | XX |
| 110100008440 | XXX | Cash Reserves | 349406.90 | 22330.42 |
| 110100008440 | XXX | Months Reserves | 64.00 | 2.90 |
| 110100008440 | XXX | Total Cash Out | XX | XX |
| 110100008526 | XXX | Total Cash Out | XX | XX |
| 110100008590 | XXX | Cash Reserves | 342298.01 | 105982.66 |
| 110100008590 | XXX | Combined LTV | 66.76 | 70.00 |
| 110100008590 | XXX | Months Reserves | 17.00 | 16.85 |
| 110100008590 | XXX | Total Cash Out | XX | XX |
| 110100008618 | XXX | Cash Reserves | 122135.77 | 32325.48 |
| 110100008618 | XXX | Months Reserves | 10.00 | 9.96 |
| 110100008618 | XXX | Total Cash Out | XX | XX |
| 110100008650 | XXX | Borrower 1 Total Income | 13561.31 | 16083.03 |
| 110100008650 | XXX | Cash Reserves | 115807.98 | 55909.02 |
| 110100008650 | XXX | Debt to Income Ratio (Back) | 36.9370 | 31.1456 |
| 110100008650 | XXX | Disbursement Date | 06/30/2025 | 07/01/2025 |
| 110100008650 | XXX | Months Reserves | 13.00 | 13.22 |
| 110100008650 | XXX | Original Appraisal Date | 06/XX/2025 | 05/XX/2025 |
| 110100008650 | XXX | Total Cash Out | XX | XX |
| 110100008650 | XXX | Total Monthly Income | 13561.31 | 16083.03 |
| 110100008672 | XXX | Borrower 1 Total Income | 20077.73 | 20084.44 |
| 110100008672 | XXX | Cash Reserves | 119563.05 | 34805.23 |
| 110100008672 | XXX | Credit Report Date | 04/28/2025 | 06/03/2025 |
| 110100008672 | XXX | Ever in Foreclosure | No | Yes |
| 110100008672 | XXX | Months Reserves | 10.00 | 9.65 |
| 110100008672 | XXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 110100008672 | XXX | Representative Credit Score for Grading | 799 | 797 |
| 110100008672 | XXX | Total Cash Out | XX | XX |
| 110100008672 | XXX | Total Monthly Income | 20077.73 | 20084.44 |
| 110100008695 | XXX | Borrower DSCR Percent | 1.5819 | 1.9778 |
| 110100008695 | XXX | Cash Reserves | 51670.63 | 2186.08 |
| 110100008695 | XXX | Combined LTV | 72.00 | 80.00 |
| 110100008695 | XXX | Months Reserves | 71.00 | 1.56 |
| 110100008695 | XXX | Original Appraisal Date | 05/XX/2025 | 05/XX/2025 |
| 110100008695 | XXX | Total Cash Out | XX | XX |
| 110100008724 | XXX | Total Cash Out | XX | XX |
| 110100008811 | XXX | Borrower 1 Total Income | 8048.99 | 8032.67 |
| 110100008811 | XXX | Cash Reserves | 226056.96 | 67381.89 |
| 110100008811 | XXX | Months Reserves | 30.00 | 24.28 |
| 110100008811 | XXX | Total Monthly Income | 8048.99 | 8032.67 |
| 110100008840 | XXX | Cash Reserves | 80571.94 | 27041.23 |
| 110100008840 | XXX | Months Reserves | 23.00 | 6.45 |
| 110100008840 | XXX | Total Cash Out | XX | XX |
| 110100008860 | XXX | Cash Reserves | 348786.41 | 152606.73 |
| 110100008860 | XXX | Ever in Foreclosure | No | Yes |
| 110100008860 | XXX | Months Reserves | 108.00 | 30.19 |
| 110100008860 | XXX | Total Cash Out | XX | XX |
| 110100008861 | XXX | Borrower 1 Total Income | 12181.48 | 12196.96 |
| 110100008861 | XXX | Cash Reserves | 112877.25 | 45608.25 |
| 110100008861 | XXX | Credit Report Date | 05/07/2025 | 05/28/2025 |
| 110100008861 | XXX | Months Reserves | 17.00 | 10.92 |
| 110100008861 | XXX | Total Cash Out | XX | XX |
| 110100008861 | XXX | Total Monthly Income | 12181.48 | 12196.96 |
| 110100008880 | XXX | Cash Reserves | 269907.25 | 120779.58 |
| 110100008880 | XXX | Combined LTV | 85.91 | 90.00 |
| 110100008880 | XXX | Disbursement Date | 06/10/2025 | 06/11/2025 |
| 110100008880 | XXX | Months Reserves | 32.00 | 14.51 |
| 110100008880 | XXX | Total Cash Out | XX | XX |
| 110100008887 | XXX | Cash Reserves | 24942.78 | 49988.68 |
| 110100008887 | XXX | Debt to Income Ratio (Back) | 49.2150 | 45.8401 |
| 110100008887 | XXX | Disbursement Date | 07/09/2025 | 07/08/2025 |
| 110100008887 | XXX | Months Reserves | 11.00 | 22.81 |
| 110100008887 | XXX | Total Cash Out | XX | XX |
| 110100008966 | XXX | Borrower 1 Total Income | 143438.00 | 178681.15 |
| 110100008966 | XXX | Cash Reserves | 239330.92 | 126992.16 |
| 110100008966 | XXX | Credit Report Date | 05/22/2025 | 05/19/2025 |
| 110100008966 | XXX | Months Reserves | 17.00 | 16.16 |
| 110100008966 | XXX | Total Cash Out | XX | XX |
| 110100008966 | XXX | Total Monthly Income | 143438.00 | 178681.15 |
| 110100009015 | XXX | Cash Reserves | 76062.08 | 26507.44 |
| 110100009015 | XXX | Combined LTV | 82.50 | 85.00 |
| 110100009015 | XXX | Credit Report Date | 03/05/2025 | 05/23/2025 |
| 110100009015 | XXX | Debt to Income Ratio (Back) | 32.6970 | 41.4590 |
| 110100009015 | XXX | Months Reserves | 7.00 | 6.80 |
| 110100009015 | XXX | Total Cash Out | XX | XX |
| 110100009021 | XXX | Cash Reserves | 94046.15 | 80047.80 |
| 110100009021 | XXX | Months Reserves | 12.00 | 16.20 |
| 110100009021 | XXX | Original Appraisal Date | 06/XX/2025 | 06/XX/2025 |
| 110100009021 | XXX | Total Cash Out | XX | XX |
| 110100009093 | XXX | Cash Reserves | 80938.00 | 12573.88 |
| 110100009093 | XXX | Combined LTV | 77.47 | 85.00 |
| 110100009093 | XXX | Months Reserves | 52.00 | 4.41 |
| 110100009093 | XXX | Total Cash Out | XX | XX |
| 110100009099 | XXX | Borrower DSCR Percent | 1.6348 | 1.3078 |
| 110100009099 | XXX | Cash Reserves | 161947.30 | 85596.17 |
| 110100009099 | XXX | Months Reserves | 65.00 | 23.32 |
| 110100009099 | XXX | Total Cash Out | XX | XX |
| 110100009121 | XXX | Cash Reserves | 303937.41 | 191618.07 |
| 110100009121 | XXX | Combined LTV | 60.86 | 75.00 |
| 110100009121 | XXX | Disbursement Date | 06/16/2025 | 06/17/2025 |
| 110100009121 | XXX | Months Reserves | 48.00 | 47.67 |
| 110100009121 | XXX | Next Payment Change Date | 08/01/2032 | 02/01/2033 |
| 110100009121 | XXX | Product Type | 30 Yr Fixed | 7/6 IO ARM |
| 110100009121 | XXX | Total Cash Out | XX | XX |
| 110100009180 | XXX | Cash Reserves | 2341309.37 | 1043329.16 |
| 110100009180 | XXX | Months Reserves | 37.00 | 44.71 |
| 110100009180 | XXX | Next Payment Change Date | 08/01/2032 | 02/01/2033 |
| 110100009180 | XXX | Property Type | SFR | High Rise Condo (9+) |
| 110100009180 | XXX | Total Cash Out | XX | XX |
| 110100009220 | XXX | Cash Reserves | 130678.58 | 3371.15 |
| 110100009220 | XXX | Combined LTV | 67.00 | 70.00 |
| 110100009220 | XXX | Disbursement Date | 07/10/2025 | 07/08/2025 |
| 110100009220 | XXX | Months Reserves | 1.00 | 1.20 |
| 110100009220 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100009220 | XXX | Total Cash Out | XX | XX |
| 110100009229 | XXX | Borrower 1 Total Income | 14212.74 | 14539.28 |
| 110100009229 | XXX | Total Monthly Income | 14212.74 | 14539.28 |
| 110100009373 | XXX | Cash Reserves | 279531.43 | 53972.69 |
| 110100009373 | XXX | Months Reserves | 9.00 | 9.03 |
| 110100009373 | XXX | Total Cash Out | XX | XX |
| 110100009402 | XXX | Borrower 1 Self Employed Flag | Yes | No |
| 110100009402 | XXX | Cash Reserves | 69526.97 | 16584.70 |
| 110100009402 | XXX | Months Reserves | 8.00 | 8.19 |
| 110100009402 | XXX | Total Cash Out | XX | XX |
| 110100009424 | XXX | Cash Reserves | 632860.90 | 325965.73 |
| 110100009424 | XXX | Months Reserves | 182.00 | 76.23 |
| 110100009424 | XXX | Total Cash Out | XX | XX |
| 110100009485 | XXX | Cash Reserves | 1207150.86 | 264999.46 |
| 110100009485 | XXX | Months Reserves | 112.00 | 24.25 |
| 110100009485 | XXX | Total Cash Out | XX | XX |
| 110100009548 | XXX | Cash Reserves | 355487.93 | 211073.36 |
| 110100009548 | XXX | Combined LTV | 82.26 | 85.00 |
| 110100009548 | XXX | Months Reserves | 32.00 | 32.06 |
| 110100009548 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100009573 | XXX | Cash Reserves | 15600.00 | 283188.63 |
| 110100009573 | XXX | Months Reserves | 115.00 | 108.86 |
| 110100009573 | XXX | Total Cash Out | XX | XX |
| 110100009589 | XXX | Debt to Income Ratio (Back) | 30.7040 | 25.2285 |
| 110100009589 | XXX | Disbursement Date | 07/16/2025 | 07/17/2025 |
| 110100009604 | XXX | Cash Reserves | 390634.00 | 241851.87 |
| 110100009604 | XXX | Months Reserves | 53.00 | 53.43 |
| 110100009604 | XXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 110100009604 | XXX | Total Cash Out | XX | XX |
| 110100009636 | XXX | Cash Reserves | 537318.10 | 8.01 |
| 110100009636 | XXX | Combined LTV | 76.52 | 85.00 |
| 110100009636 | XXX | Credit Report Date | 06/28/2025 | 04/28/2025 |
| 110100009636 | XXX | Months Reserves | 100.00 | 0.00 |
| 110100009636 | XXX | Total Cash Out | XX | XX |
| 110100009655 | XXX | Cash Reserves | 91005.26 | 64088.37 |
| 110100009655 | XXX | Months Reserves | 12.00 | 11.96 |
| 110100009655 | XXX | Property Type | Detached PUD | Attached PUD |
| 110100009655 | XXX | Total Cash Out | XX | XX |
| 110100009678 | XXX | Cash Reserves | 271523.12 | 105219.61 |
| 110100009678 | XXX | Disbursement Date | 06/26/2025 | 06/27/2025 |
| 110100009678 | XXX | Months Reserves | 89.00 | 13.17 |
| 110100009678 | XXX | Total Cash Out | XX | XX |
| 110100009712 | XXX | Borrower 1 Self Employed Flag | Yes | No |
| 110100009712 | XXX | Cash Reserves | 757652.01 | 223898.15 |
| 110100009712 | XXX | Months Reserves | 380.00 | 107.26 |
| 110100009712 | XXX | Total Cash Out | XX | XX |
| 110100009727 | XXX | Cash Reserves | 134181.66 | 63918.97 |
| 110100009727 | XXX | Months Reserves | 49.00 | 23.47 |
| 110100009727 | XXX | Total Cash Out | XX | XX |
| 110100009748 | XXX | Borrower 1 Total Income | 17454.17 | 23788.11 |
| 110100009748 | XXX | Cash Reserves | 150300.02 | 42509.35 |
| 110100009748 | XXX | Combined LTV | 71.93 | 80.00 |
| 110100009748 | XXX | Debt to Income Ratio (Back) | 33.9110 | 50.8813 |
| 110100009748 | XXX | Months Reserves | 11.00 | 10.60 |
| 110100009748 | XXX | Total Cash Out | XX | XX |
| 110100009748 | XXX | Total Monthly Income | 17454.17 | 23788.11 |
| 110100009754 | XXX | Cash Reserves | 260619.39 | 192034.58 |
| 110100009754 | XXX | Credit Report Date | 05/29/2025 | 04/29/2025 |
| 110100009754 | XXX | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 110100009754 | XXX | Months Reserves | 75.00 | 55.29 |
| 110100009754 | XXX | Original Appraisal Date | 06/XX/2025 | 06/XX/2025 |
| 110100009754 | XXX | Total Cash Out | XX | XX |
| 110100009766 | XXX | Cash Reserves | 167531.56 | 99075.57 |
| 110100009766 | XXX | Combined LTV | 75.47 | 80.00 |
| 110100009766 | XXX | Months Reserves | 50.00 | 49.54 |
| 110100009766 | XXX | Original Appraised Value | XX | XX |
| 110100009766 | XXX | Total Cash Out | XX | XX |
| 110100009766 | XXX | Total Monthly Income | 28908.90 | 28848.34 |
| 110100009817 | XXX | Cash Reserves | 55543.97 | 15628.89 |
| 110100009817 | XXX | Combined LTV | 75.08 | 85.00 |
| 110100009817 | XXX | Months Reserves | 52.00 | 7.64 |
| 110100009817 | XXX | Total Cash Out | XX | XX |
| 110100009896 | XXX | Cash Reserves | 26377.80 | 11402.74 |
| 110100009896 | XXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 110100009896 | XXX | Months Reserves | 22.00 | 6.13 |
| 110100009896 | XXX | Total Cash Out | XX | XX |
| 110100009922 | XXX | Ever in Foreclosure | No | Yes |
| 110100009941 | XXX | Cash Reserves | 4936.81 | 121216.38 |
| 110100009941 | XXX | Months Reserves | 26.00 | 60.74 |
| 110100009941 | XXX | Total Cash Out | XX | XX |
| 110100010217 | XXX | Borrower 1 Total Income | 8248.34 | 8248.35 |
| 110100010217 | XXX | Total Cash Out | XX | XX |
| 110100010217 | XXX | Total Monthly Income | 8248.34 | 8248.35 |
| 110100010272 | XXX | Cash Reserves | 231866.68 | 149217.93 |
| 110100010272 | XXX | Months Reserves | 45.00 | 29.00 |
| 110100010272 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100010272 | XXX | Total Cash Out | XX | XX |
| 110100010283 | XXX | Cash Reserves | 89228.52 | 12536.04 |
| 110100010283 | XXX | Months Reserves | 72.00 | 5.73 |
| 110100010283 | XXX | Total Cash Out | XX | XX |
| 110100010384 | XXX | Borrower 1 Total Income | 30396.33 | 29180.48 |
| 110100010384 | XXX | Cash Reserves | 123596.21 | 24962.09 |
| 110100010384 | XXX | Debt to Income Ratio (Back) | 16.2990 | 21.8116 |
| 110100010384 | XXX | Months Reserves | 7.00 | 6.73 |
| 110100010384 | XXX | Total Cash Out | XX | XX |
| 110100010384 | XXX | Total Monthly Income | 30396.33 | 29180.48 |
| 110100010408 | XXX | Cash Reserves | 62545.27 | 18958.28 |
| 110100010408 | XXX | Months Reserves | 59.00 | 10.49 |
| 110100010408 | XXX | Total Cash Out | XX | XX |
| 110100010432 | XXX | Cash Reserves | 168754.22 | 96113.26 |
| 110100010432 | XXX | Months Reserves | 26.00 | 14.91 |
| 110100010432 | XXX | Total Cash Out | XX | XX |
| 110100010454 | XXX | Cash Reserves | 55927.76 | 11389.23 |
| 110100010454 | XXX | Months Reserves | 40.00 | 4.53 |
| 110100010454 | XXX | Total Cash Out | XX | XX |
| 110100010480 | XXX | Cash Reserves | 28558.12 | 8759.98 |
| 110100010480 | XXX | Combined LTV | 74.13 | 85.00 |
| 110100010480 | XXX | Months Reserves | 4.00 | 3.11 |
| 110100010480 | XXX | Total Cash Out | XX | XX |
| 110100010517 | XXX | Cash Reserves | 73531.50 | 31573.70 |
| 110100010517 | XXX | Months Reserves | 58.00 | 15.98 |
| 110100010517 | XXX | Total Cash Out | XX | XX |
| 110100010652 | XXX | Cash Reserves | 261095.99 | 116397.99 |
| 110100010652 | XXX | Months Reserves | 114.00 | 36.47 |
| 110100010652 | XXX | Property Zip | XX | XX |
| 110100010652 | XXX | Total Cash Out | XX | XX |
| 110100010655 | XXX | Cash Reserves | 261095.99 | 127987.67 |
| 110100010655 | XXX | Months Reserves | 33.00 | 32.65 |
| 110100010655 | XXX | Total Cash Out | XX | XX |
| 110100010672 | XXX | Cash Reserves | 235568.53 | 49843.71 |
| 110100010672 | XXX | Combined LTV | 76.21 | 80.00 |
| 110100010672 | XXX | Months Reserves | 8.00 | 8.46 |
| 110100010672 | XXX | Total Cash Out | XX | XX |
| 110100010732 | XXX | Total Cash Out | XX | XX |
| 110100010745 | XXX | Cash Reserves | 229601.89 | 109507.99 |
| 110100010745 | XXX | Combined LTV | 86.32 | 90.00 |
| 110100010745 | XXX | Months Reserves | 10.00 | 15.79 |
| 110100010745 | XXX | Total Cash Out | XX | XX |
| 110100010793 | XXX | Borrower 1 Total Income | 13155.52 | 5587.11 |
| 110100010793 | XXX | Cash Reserves | 85251.36 | 57768.10 |
| 110100010793 | XXX | Combined LTV | 85.16 | 90.00 |
| 110100010793 | XXX | Debt to Income Ratio (Back) | 34.3360 | 50.4729 |
| 110100010793 | XXX | Months Reserves | 14.00 | 16.12 |
| 110100010793 | XXX | Next Payment Change Date | 09/01/2035 | 03/01/2036 |
| 110100010793 | XXX | Total Cash Out | XX | XX |
| 110100010793 | XXX | Total Monthly Income | 13155.52 | 8949.48 |
| 110100010811 | XXX | Debt to Income Ratio (Back) | 39.3710 | 44.7364 |
| 110100010811 | XXX | Total Cash Out | XX | XX |
| 110100010814 | XXX | Borrower 1 Total Income | 18872.44 | 18877.46 |
| 110100010814 | XXX | Cash Reserves | 312474.26 | 101737.13 |
| 110100010814 | XXX | Combined LTV | 83.60 | 90.00 |
| 110100010814 | XXX | Months Reserves | 44.00 | 17.44 |
| 110100010814 | XXX | Original Appraisal Date | 06/XX/2025 | 07/XX/2025 |
| 110100010814 | XXX | Total Cash Out | XX | XX |
| 110100010814 | XXX | Total Monthly Income | 18872.44 | 18877.46 |
| 110100010896 | XXX | Borrower 1 Self Employed Flag | Yes | No |
| 110100010906 | XXX | Borrower 2 First Name | XX | XX |
| 110100010906 | XXX | Borrower 2 Last Name | XX | XX |
| 110100010906 | XXX | Total Cash Out | XX | XX |
| 110100010963 | XXX | Cash Reserves | 91000.00 | 36304.82 |
| 110100010963 | XXX | Months Reserves | 16.00 | 16.14 |
| 110100010963 | XXX | Total Cash Out | XX | XX |
| 110100011007 | XXX | Credit Report Date | 06/25/2025 | 06/03/2025 |
| 110100011014 | XXX | Cash Reserves | 50620.63 | 14552.62 |
| 110100011014 | XXX | Months Reserves | 7.00 | 6.93 |
| 110100011014 | XXX | Total Cash Out | XX | XX |
| 110100011173 | XXX | Cash Reserves | 211236.46 | 94111.20 |
| 110100011173 | XXX | Debt to Income Ratio (Back) | 17.0510 | 13.4135 |
| 110100011173 | XXX | Months Reserves | 33.00 | 32.60 |
| 110100011173 | XXX | Total Cash Out | XX | XX |
| 110100011191 | XXX | Cash Reserves | 74342.37 | 6008.88 |
| 110100011191 | XXX | Combined LTV | 56.17 | 70.00 |
| 110100011191 | XXX | Ever in Foreclosure | No | Yes |
| 110100011191 | XXX | Months Reserves | 87.00 | 2.63 |
| 110100011191 | XXX | Original Appraisal Date | 07/XX/2020 | 07/XX/2025 |
| 110100011191 | XXX | Total Cash Out | XX | XX |
| 110100011235 | XXX | Borrower 1 Total Income | 46014.19 | 46492.88 |
| 110100011235 | XXX | Cash Reserves | 168453.88 | 49049.33 |
| 110100011235 | XXX | Credit Report Date | 06/26/2025 | 07/30/2025 |
| 110100011235 | XXX | Months Reserves | 10.00 | 9.61 |
| 110100011235 | XXX | Total Cash Out | XX | XX |
| 110100011235 | XXX | Total Monthly Income | 46014.19 | 46492.88 |
| 110100011292 | XXX | Borrower 1 Total Income | 12902.68 | 12903.10 |
| 110100011292 | XXX | Cash Reserves | 126622.01 | 68998.38 |
| 110100011292 | XXX | Months Reserves | 19.00 | 19.09 |
| 110100011292 | XXX | Total Cash Out | XX | XX |
| 110100011292 | XXX | Total Monthly Income | 12902.68 | 12903.10 |
| 110100011309 | XXX | Borrower 2 First Name | XX | XX |
| 110100011372 | XXX | Cash Reserves | 2168615.23 | 956355.82 |
| 110100011372 | XXX | Months Reserves | 368.00 | 153.06 |
| 110100011372 | XXX | Total Cash Out | XX | XX |
| 110100011438 | XXX | Cash Reserves | 2170407.88 | 2061974.07 |
| 110100011438 | XXX | Months Reserves | 321.00 | 319.26 |
| 110100011438 | XXX | Original Appraisal Date | 07/XX/2025 | 07/XX/2025 |
| 110100011438 | XXX | Original Appraised Value | XX | XX |
| 110100011438 | XXX | Total Cash Out | XX | XX |
| 110100011453 | XXX | Cash Reserves | 160203.09 | 65995.23 |
| 110100011453 | XXX | Combined LTV | 71.72 | 75.00 |
| 110100011453 | XXX | Disbursement Date | 08/07/2025 | 08/08/2025 |
| 110100011453 | XXX | Months Reserves | 30.00 | 12.38 |
| 110100011453 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100011453 | XXX | Total Cash Out | XX | XX |
| 110100011497 | XXX | Cash Reserves | 89885.24 | 23146.71 |
| 110100011497 | XXX | Months Reserves | 3.00 | 7.12 |
| 110100011497 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100011497 | XXX | Total Cash Out | XX | XX |
| 110100011506 | XXX | Cash Reserves | 634703.88 | 434484.64 |
| 110100011506 | XXX | Months Reserves | 225.00 | 117.06 |
| 110100011506 | XXX | Total Cash Out | XX | XX |
| 110100011676 | XXX | Cash Reserves | 223582.06 | 212152.38 |
| 110100011676 | XXX | Months Reserves | 3.00 | 36.16 |
| 110100011676 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100011676 | XXX | Total Cash Out | XX | XX |
| 110100011789 | XXX | Cash Reserves | 1624803.74 | 1024573.80 |
| 110100011789 | XXX | Months Reserves | 210.00 | 115.51 |
| 110100011789 | XXX | Total Cash Out | XX | XX |
| 110100012015 | XXX | Borrower 2 First Name | XX | XX |
| 110100012015 | XXX | Cash Reserves | 125000.00 | 10265.58 |
| 110100012015 | XXX | Combined LTV | 72.94 | 85.00 |
| 110100012015 | XXX | Months Reserves | 2.00 | 1.91 |
| 110100012015 | XXX | Next Payment Change Date | 10/01/2032 | 04/01/2033 |
| 110100012015 | XXX | Product Type | 7/1 ARM | 7/6 ARM |
| 110100012015 | XXX | Representative Credit Score for Grading | 776 | 782 |
| 110100012015 | XXX | Total Cash Out | XX | XX |
| 110100012087 | XXX | Borrower 1 Total Income | 31393.95 | 36361.27 |
| 110100012087 | XXX | Cash Reserves | 185582.70 | 16401.99 |
| 110100012087 | XXX | Debt to Income Ratio (Back) | 45.6390 | 33.6002 |
| 110100012087 | XXX | Months Reserves | 10.00 | 4.78 |
| 110100012087 | XXX | Total Cash Out | XX | XX |
| 110100012087 | XXX | Total Monthly Income | 31393.95 | 36361.27 |
| 110100012094 | XXX | Borrower 1 Total Income | 11563.61 | 12504.81 |
| 110100012094 | XXX | Cash Reserves | 18031.00 | 78455.14 |
| 110100012094 | XXX | Credit Report Date | 07/18/2025 | 07/12/2025 |
| 110100012094 | XXX | Debt to Income Ratio (Back) | 49.3010 | 44.4804 |
| 110100012094 | XXX | Product Type | 40 Yr Fixed | 40 Yr Fixed Interest Only |
| 110100012094 | XXX | Total Cash Out | XX | XX |
| 110100012094 | XXX | Total Monthly Income | 11563.61 | 12504.81 |
| 110100012225 | XXX | Combined LTV | 80.00 | 76.05 |
| 110100012225 | XXX | Months Reserves | 9.00 | 8.89 |
| 110100012225 | XXX | Original Appraised Value | XX | XX |
| 110100012225 | XXX | Original LTV | 80.00 | 76.05 |
| 110100012225 | XXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 110100012225 | XXX | Total Cash Out | XX | XX |
| 110100012285 | XXX | Total Cash Out | XX | XX |
| 110100012630 | XXX | Cash Reserves | 253128.86 | 164267.25 |
| 110100012630 | XXX | Months Reserves | 127.00 | 61.23 |
| 110100012630 | XXX | Total Cash Out | XX | XX |
| 110100012721 | XXX | Borrower DSCR Percent | 3.4600 | 3.0602 |
| 110100012721 | XXX | Original Appraisal Date | 07/XX/2025 | 04/XX/2025 |
| 110100013237 | XXX | Borrower 1 Total Income | 33979.25 | 64195.35 |
| 110100013237 | XXX | Cash Reserves | 375261.67 | 106129.58 |
| 110100013237 | XXX | Debt to Income Ratio (Back) | 36.1380 | 21.6179 |
| 110100013237 | XXX | Months Reserves | 17.00 | 8.68 |
| 110100013237 | XXX | Total Cash Out | XX | XX |
| 110100013237 | XXX | Total Monthly Income | 46818.32 | 77034.42 |
| 110100013584 | XXX | Borrower 1 Total Income | 49483.11 | 49923.95 |
| 110100013584 | XXX | Cash Reserves | 27700.73 | 106120.81 |
| 110100013584 | XXX | Months Reserves | 21.00 | 21.53 |
| 110100013584 | XXX | Total Cash Out | XX | XX |
| 110100013584 | XXX | Total Monthly Income | 49483.11 | 49923.95 |
| 3508363 | XXX | Debt to Income Ratio (Back) | 19.6000 | 14.2129 |
| 3509619 | XXX | Borrower DSCR Percent | 1.2350 | 1.0609 |
| 3510078 | XXX | Debt to Income Ratio (Back) | 28.5000 | 40.1897 |
| 3510668 | XXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 3511561 | XXX | Borrower DSCR Percent | 1.2970 | 1.5573 |
| 3512734 | XXX | Borrower DSCR Percent | 1.3400 | 1.2024 |
| 420200007979 | XXX | Cash Reserves | 283394.84 | 107817.19 |
| 420200007979 | XXX | Months Reserves | 114.00 | 26.78 |
| 420200007979 | XXX | Total Cash Out | XX | XX |
| 420200008051 | XXX | Cash Reserves | 63640.84 | 23126.23 |
| 420200008051 | XXX | Months Reserves | 14.00 | 13.55 |
| 420200008051 | XXX | Total Cash Out | XX | XX |
| 420200008091 | XXX | Cash Reserves | 257414.42 | 76802.15 |
| 420200008091 | XXX | Months Reserves | 53.00 | 9.78 |
| 420200008091 | XXX | Total Cash Out | XX | XX |
| 420200008409 | XXX | Cash Reserves | 788962.08 | 927259.11 |
| 420200008409 | XXX | Months Reserves | 60.00 | 108.54 |
| 420200008409 | XXX | Original Appraised Value | XX | XX |
| 420200008409 | XXX | Total Cash Out | XX | XX |
| 420200008965 | XXX | Cash Reserves | 103876.23 | 9982.61 |
| 420200008965 | XXX | Months Reserves | 70.00 | 3.53 |
| 420200008965 | XXX | Total Cash Out | XX | XX |
| 420200009089 | XXX | Cash Reserves | 256780.85 | 180374.71 |
| 420200009089 | XXX | Months Reserves | 50.00 | 49.44 |
| 420200009089 | XXX | Total Cash Out | XX | XX |
| 420200009621 | XXX | Cash Reserves | 99480.79 | 54480.79 |
| 420200009621 | XXX | Months Reserves | 38.00 | 38.14 |
| 420200009621 | XXX | Total Cash Out | XX | XX |
| 420200010856 | XXX | Cash Reserves | 83851.94 | 2441.87 |
| 420200010856 | XXX | Credit Report Date | 06/30/2025 | 06/05/2025 |
| 420200010856 | XXX | Months Reserves | 43.00 | 0.64 |
| 420200010856 | XXX | Total Cash Out | XX | XX |
| 7507407 | XXX | Debt to Income Ratio (Back) | 19.9000 | 51.5364 |
| 7507929 | XXX | Representative Credit Score for Grading | 730 | 699 |
| 7509018 | XXX | Debt to Income Ratio (Back) | 38.9000 | 31.3307 |
| 7511400 | XXX | Representative Credit Score for Grading | 740 | 746 |
| 7511404 | XXX | Representative Credit Score for Grading | 763 | 672 |
| 7511449 | XXX | Debt to Income Ratio (Back) | 38.4000 | 33.3142 |
| 7511449 | XXX | Representative Credit Score for Grading | 714 | 716 |
| 7511608 | XXX | Number of Units | 2 | 1 |
| 7511658 | XXX | Representative Credit Score for Grading | 730 | 733 |
| 7511690 | XXX | Debt to Income Ratio (Back) | 39.9000 | 32.6739 |
|©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 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. |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

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| **Client Name:** | **PRP Advisors** | **PRP Advisors** | **PRP Advisors** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** | **PRPM 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/7/2025 - 9/XX/2025** | **2/7/2025 - 9/XX/2025** | **2/7/2025 - 9/XX/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **194** | **194** | **194** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *194* | *194* | *194* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **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** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **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** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **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 Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **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** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **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** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 1052953834 | SG Capital_Post_J12224 | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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) | Yes | Yes | 1 | 8.9165 | No | No | 3.864 | (No Data) | (No Data) | (No Data) | 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) | (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) | -3335.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052955989 | SG Capital_Post_J12224 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6724 | No | No | 11.631 | (No Data) | (No Data) | (No Data) | 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) | (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) | -4928.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 0.96 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052979170 | SG Capital_Post_J12224 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.1432 | Yes | Yes | 4.673 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.12 | 17.43 | 17.12 | 17.43 | 17.43 | 17.43 | Yes | Yes | Yes | 99464.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052982806 | SG Capital_Post_J12224 | (No Data) | XX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.0693 | No | No | 7.242 | (No Data) | (No Data) | (No Data) | 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) | (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) | -5329.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.12 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052983385 | SG Capital_Post_J12224 | (No Data) | XX | DE | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.1059 | Yes | Yes | 2.198 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.76 | 3.76 | 3.76 | 3.76 | 3.76 | 3.76 | No | No | (No Data) | 109530.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052985420 | SG Capital_Post_J12224 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 6.8982 | Yes | No | 0.127 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.12 | 37.16 | 0 | 37.16 | 37.16 | 37.16 | No | No | (No Data) | 44638.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1052986169 | SG Capital_Post_J12224 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9216.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 8100.00 | 1.14 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 24 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100004924 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/XX/2025 | (No Data) | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 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 | 7.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4466.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5300.00 | 1.1867 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | Green Card | (No Data) | (No Data) |
| 110100005195 | theLender - Flow Review_J13451 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3994.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.7511 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100005847 | theLender - Flow Review_J13451 | (No Data) | XX | MD | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 03/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.6131 | Yes | Yes | 2.385 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.93 | 31.93 | 31.93 | 31.93 | 31.93 | 31.93 | No | No | (No Data) | 12221.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006140 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -25188.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 12500.00 | No | (No Data) | 0.4963 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006144 | theLender - Flow Review_J13451 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | (No Data) | U.S. Citizen | (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%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10690.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 0.3180 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006640 | theLender - Flow Review_J13451 | (No Data) | XX | DE | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6065.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4800.00 | No | (No Data) | 0.7913 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006682 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2119.48 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0380 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006887 | theLender - Flow Review_J13451 | (No Data) | XX | HI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3299.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7006.00 | No | (No Data) | 2.1231 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006966 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4052.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3222.00 | No | (No Data) | 0.7950 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100006987 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | Non-Permanent Resident Alien | (No Data) | (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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 3.688 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.47 | 0 | 36.47 | 36.47 | 36.47 | (No Data) | (No Data) | (No Data) | 9669.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L Only - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 110100006999 | theLender - Flow Review_J13451 | (No Data) | XX | NV | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 04/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.8245 | Yes | No | 1.641 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.17 | 42.75 | 43.17 | 42.75 | 42.75 | 42.75 | No | No | (No Data) | 8678.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007050 | theLender - Flow Review_J13451 | (No Data) | XX | SC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 9.2572 | Yes | Yes | 4.91 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.91 | 37.2 | 36.91 | 37.2 | 37.2 | 37.2 | No | No | (No Data) | 5926.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007051 | theLender - Flow Review_J13451 | (No Data) | XX | MT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.95 | 0 | 36.95 | 36.95 | 36.95 | (No Data) | (No Data) | (No Data) | 11864 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007084 | theLender - Flow Review_J13451 | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10726.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 0.7458 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007190 | theLender - Flow Review_J13451 | (No Data) | XX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4793.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 0.7928 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007208 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4828.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5006.67 | No | (No Data) | 1.0369 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007263 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 04/XX/2025 | Non-Permanent Resident Alien | (No Data) | (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 | 7.9952 | Yes | Yes | 1.993 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.3 | 31.37 | 32.3 | 31.37 | 31.37 | 31.37 | No | Yes | Yes | 24290.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | CPA Letter - 24 months;<br> P & L Only - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 110100007287 | theLender - Flow Review_J13451 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | Non-Resident Alien | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5377.8 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6800.00 | No | (No Data) | 1.2645 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007372 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1714.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 0.7582 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007395 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | U.S. Citizen | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4514.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.7753 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007549 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2439.26 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 1.0044 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007557 | theLender - Flow Review_J13451 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2246.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 0.7790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007559 | theLender - Flow Review_J13451 | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2370.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2550.00 | No | (No Data) | 1.0755 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | Green Card | (No Data) | (No Data) |
| 110100007624 | theLender - Flow Review_J13451 | (No Data) | XX | SC | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5819 | Yes | Yes | 2.823 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.4 | 41.18 | 41.18 | 41.18 | 41.18 | 41.18 | No | No | (No Data) | 10510.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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) | 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 | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007644 | theLender - Flow Review_J13451 | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Permanent Resident Alien | (No Data) | (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 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4459.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.0764 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 110100007679 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2689.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.0412 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007698 | theLender - Flow Review_J13451 | (No Data) | XX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5114.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7234.00 | No | (No Data) | 1.4144 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007754 | theLender - Flow Review_J13451 | (No Data) | XX | MO | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.5131 | No | No | 4.397 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.6 | 46.61 | 46.61 | 46.61 | 46.61 | 46.61 | No | Yes | Yes | 1772.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007790 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.3417 | Yes | Yes | 2.017 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.87 | 34.9 | 34.87 | 34.9 | 34.9 | 34.9 | No | No | (No Data) | 51414.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007866 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1283.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.6366 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 110100007885 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4271.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6513.33 | No | (No Data) | 1.5248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100007947 | theLender - Flow Review_J13451 | (No Data) | XX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3190.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.2537 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | Green Card | (No Data) | (No Data) |
| 110100008044 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.2208 | Yes | Yes | 1.737 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.27 | 28.27 | 28.27 | 28.27 | 28.27 | 28.27 | No | No | (No Data) | 24780.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008073 | theLender - Flow Review_J13451 | (No Data) | XX | MA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | 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 | 10.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10030.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10200.00 | No | (No Data) | 1.0169 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008074 | theLender - Flow Review_J13451 | (No Data) | XX | MA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | 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 | 10.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10039.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10200.00 | No | (No Data) | 1.0160 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008089 | theLender - Flow Review_J13451 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2346.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1875.00 | No | (No Data) | 0.7992 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008119 | theLender - Flow Review_J13451 | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2395.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0435 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008170 | theLender - Flow Review_J13451 | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/XX/2025 | U.S. Citizen | (No Data) | (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%, 4% of amt prepd in year 1,2 | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4075.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 0.6134 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008171 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3447.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 0.8267 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008210 | theLender - Flow Review_J13451 | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 7.9901 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1413.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.5917 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008258 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.6645 | Yes | No | 3.316 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.96 | 42.12 | 46.96 | 42.12 | 42.12 | 42.12 | No | No | (No Data) | 5614.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | 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 with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008267 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6955.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 0.8626 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008290 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.875 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5286.96 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6083.00 | No | (No Data) | 1.1506 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008435 | theLender - Flow Review_J13451 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5747.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5830.00 | 1.0143 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008440 | theLender - Flow Review_J13451 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7704.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8500.00 | No | (No Data) | 1.1033 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008526 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2679.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 0.8957 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008565 | theLender - Flow Review_J13451 | (No Data) | XX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2628.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2070.00 | No | (No Data) | 0.7876 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008590 | theLender - Flow Review_J13451 | (No Data) | XX | DC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Non-Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6289.33 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6400.00 | No | (No Data) | 1.0176 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008618 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | Permanent Resident Alien | (No Data) | (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 | No | 1 | 8.1457 | Yes | Yes | 3.653 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.6 | 22.6 | 22.6 | 22.6 | 22.6 | 22.6 | No | No | (No Data) | 12469.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 110100008650 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 8.1378 | Yes | Yes | 4.369 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.94 | 31.15 | 36.94 | 31.15 | 31.15 | 31.15 | No | No | (No Data) | 11073.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008672 | theLender - Flow Review_J13451 | (No Data) | XX | MD | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | Permanent Resident Alien | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6958 | Yes | Yes | 1.561 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.07 | 21.17 | 21.07 | 21.17 | 21.17 | 21.17 | No | No | (No Data) | 15832.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 110100008695 | theLender - Flow Review_J13451 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1402.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2773.00 | No | (No Data) | 1.9778 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008724 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2275.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2600.00 | 1.1426 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008774 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3088.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 0.9065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008811 | theLender - Flow Review_J13451 | (No Data) | XX | AZ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 6.7897 | No | No | 2.242 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.39 | 49.68 | 49.39 | 49.68 | 49.68 | 49.68 | No | Yes | Yes | 4041.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | 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 with Income - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008840 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.8128 | Yes | Yes | 0.986 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.25 | 36 | 36.25 | 36 | 36 | 36 | Yes | Yes | Yes | 9509.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008860 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5054.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7426.00 | No | (No Data) | 1.4691 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008861 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.3230 | No | No | 3.321 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.98 | 44.92 | 44.98 | 44.92 | 44.92 | 44.92 | No | Yes | Yes | 6718.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | 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 with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008880 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | 8.1549 | Yes | Yes | 1.625 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.1 | 9.26 | 10.1 | 9.26 | 9.26 | 9.26 | No | No | (No Data) | 108877.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008887 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.9147 | No | No | 3.184 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.21 | 45.84 | 45.84 | 45.84 | 45.84 | 45.84 | No | No | (No Data) | 3701.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 360 | No | (No Data) | No | (No Data) | 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 Data) | 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 - 24 months;<br> CPA Letter without Income - 360 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100008966 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.1843 | Yes | Yes | 1.349 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.95 | 7.05 | 8.95 | 7.05 | 7.05 | 7.05 | No | No | (No Data) | 166083.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009015 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | 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 | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.46 | 0 | 41.46 | 41.46 | 41.46 | (No Data) | (No Data) | (No Data) | 14159.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 100 | No | (No Data) | No | (No Data) | 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) | Business Bank Statements - 3 months;<br> CPA Letter without Income - 100 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009021 | theLender - Flow Review_J13451 | (No Data) | XX | MA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.8531 | Yes | Yes | 2.472 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.2 | 10.02 | 10.2 | 10.02 | 10.02 | 10.02 | No | No | (No Data) | 59197.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009075 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Non-Resident Alien | Non-Resident Alien | (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 amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7053.45 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7500.00 | No | (No Data) | 1.0633 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009093 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2853.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.1213 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | Green Card | (No Data) | (No Data) |
| 110100009099 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3670.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4800.00 | No | (No Data) | 1.3078 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009121 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3114 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4019.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 0.9205 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009180 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4038 | Yes | Yes | 0.993 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.9 | 30.13 | 30.9 | 30.13 | 30.13 | 35.42 | No | No | (No Data) | 168643.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | Business Bank Statements - 24 months;<br> CPA Letter - 336 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009220 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2813.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2825.00 | No | (No Data) | 1.0042 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009229 | theLender - Flow Review_J13451 | (No Data) | XX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | Permanent Resident Alien | (No Data) | (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 | No | 1 | 7.5183 | Yes | Yes | 3.335 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.94 | 31.83 | 32.94 | 31.83 | 31.83 | 31.83 | Yes | Yes | Yes | 9911.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | Business Bank Statements - 24 months;<br> CPA Letter - 144 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 110100009373 | theLender - Flow Review_J13451 | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5975.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 0.8033 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009402 | theLender - Flow Review_J13451 | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2024.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.5807 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009424 | theLender - Flow Review_J13451 | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4275.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4518.00 | No | (No Data) | 1.0566 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009485 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10927.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14600.00 | No | (No Data) | 1.3361 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009548 | theLender - Flow Review_J13451 | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6583.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9000.00 | No | (No Data) | 1.3671 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009573 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2601.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009589 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5576 | Yes | Yes | 0.814 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.7 | 30.7 | 30.7 | 25.23 | 25.23 | 27.48 | No | No | (No Data) | 46236.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | CPA Letter - 12 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009604 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4526.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3440.00 | No | (No Data) | 0.7600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009636 | theLender - Flow Review_J13451 | (No Data) | XX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7127.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9210.00 | No | (No Data) | 1.2922 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009655 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 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 | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5357.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6838.00 | No | (No Data) | 1.2763 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009678 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7989.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6300.00 | No | (No Data) | 0.7885 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009712 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2087.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4760.00 | No | (No Data) | 2.2803 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009727 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2723.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6880.00 | No | (No Data) | 2.5257 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009748 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.1516 | No | Yes | 2.453 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.91 | 50.88 | 33.9 | 50.88 | 50.88 | 50.88 | No | Yes | Yes | 11684.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | CPA Letter - 93 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009754 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3473.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2925.00 | No | (No Data) | 0.8421 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009766 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.1128 | No | No | 3.105 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.25 | 49.97 | 49.25 | 49.97 | 49.97 | 49.97 | Yes | Yes | Yes | 14431.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 215 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 215 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009817 | theLender - Flow Review_J13451 | (No Data) | XX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2045.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2306.00 | No | (No Data) | 1.1272 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009896 | theLender - Flow Review_J13451 | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | Non-Resident Alien | (No Data) | (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%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1861.25 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3175.00 | No | (No Data) | 1.7058 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009922 | theLender - Flow Review_J13451 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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%, 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2388.3 | No | 0 | (No Data) | No | No | (No Data) | Yes | 07/XX/2018 | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2950.00 | No | (No Data) | 1.2352 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009923 | theLender - Flow Review_J13451 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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%, 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2457.05 | No | 0 | (No Data) | No | No | (No Data) | Yes | 07/XX/2018 | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2950.00 | No | (No Data) | 1.2006 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100009941 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1995.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2487.00 | No | (No Data) | 1.2462 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010217 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.7465 | Yes | Yes | 0.882 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.7 | 39.7 | 39.7 | 39.7 | 39.7 | 39.7 | No | No | (No Data) | 4973.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010272 | theLender - Flow Review_J13451 | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5144.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7414.00 | No | (No Data) | 1.4410 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010283 | theLender - Flow Review_J13451 | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2186.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2936.00 | No | (No Data) | 1.3425 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010384 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 8.1595 | Yes | Yes | 3.903 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.3 | 21.81 | 16.3 | 21.81 | 21.81 | 21.81 | No | No | (No Data) | 22815.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 120 months;<br> P & L Only - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010408 | theLender - Flow Review_J13451 | (No Data) | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | 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 | 9.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1806.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.2730 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010432 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.2305 | Yes | Yes | 0.324 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.75 | 25.47 | 25.75 | 25.47 | 25.47 | 25.47 | No | No | (No Data) | 27383.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010454 | theLender - Flow Review_J13451 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2512.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2650.00 | No | (No Data) | 1.0546 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010480 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2814.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5326.00 | No | (No Data) | 1.8924 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010517 | theLender - Flow Review_J13451 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1975.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4125.00 | No | (No Data) | 2.0884 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010652 | theLender - Flow Review_J13451 | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (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 amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3191.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3200.00 | No | (No Data) | 1.0026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010655 | theLender - Flow Review_J13451 | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3920.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4066.67 | No | (No Data) | 1.0371 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010672 | theLender - Flow Review_J13451 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5890.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7880.00 | No | (No Data) | 1.3378 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010732 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 7.4678 | Yes | Yes | 2.631 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.86 | 19.86 | 19.86 | 19.86 | 19.86 | 19.86 | No | No | (No Data) | 16027.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010745 | theLender - Flow Review_J13451 | (No Data) | XX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 7.1673 | Yes | Yes | 4.848 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.91 | 33.91 | 33.91 | 33.91 | 33.91 | 33.91 | No | No | (No Data) | 16523.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010793 | theLender - Flow Review_J13451 | (No Data) | XX | OR | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.7962 | No | Yes | 4.071 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.36 | 53.24 | 34.36 | 50.47 | 50.47 | 50.47 | No | No | (No Data) | 4432.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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 | 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) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010811 | theLender - Flow Review_J13451 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.1617 | No | Yes | 1.463 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.37 | 44.74 | 39.37 | 44.74 | 44.74 | 44.74 | No | No | (No Data) | 8813.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010814 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 8.0481 | Yes | Yes | 3.345 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.42 | 35.58 | 37.42 | 35.58 | 35.58 | 35.58 | Yes | Yes | Yes | 12161.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010896 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1434.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1520.00 | No | (No Data) | 1.0593 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010906 | theLender - Flow Review_J13451 | (No Data) | XX | WI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2659.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3350.00 | No | (No Data) | 1.2595 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100010963 | theLender - Flow Review_J13451 | (No Data) | XX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2249.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4850.00 | No | (No Data) | 2.1556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011007 | theLender - Flow Review_J13451 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3270.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.0091 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011014 | theLender - Flow Review_J13451 | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2099.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0003 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011173 | theLender - Flow Review_J13451 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 8.0753 | Yes | Yes | 3.222 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.05 | 13.41 | 17.05 | 13.41 | 13.41 | 13.41 | No | No | (No Data) | 30983.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011191 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2281.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0082 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011235 | theLender - Flow Review_J13451 | (No Data) | XX | AZ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6505 | Yes | Yes | 2.348 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.13 | 41.81 | 39.13 | 39.52 | 39.52 | 41.81 | No | No | (No Data) | 28117.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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;<br> Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011292 | theLender - Flow Review_J13451 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | U.S. Citizen | (No Data) | (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) | Yes | No | 1 | 7.7925 | Yes | Yes | 3.105 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.65 | 28.28 | 28.65 | 28.28 | 28.28 | 28.28 | Yes | Yes | Yes | 9254.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 40 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011309 | theLender - Flow Review_J13451 | (No Data) | XX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2406.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.4957 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011372 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6248.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7220.00 | No | (No Data) | 1.1555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011438 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6458.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9206.00 | No | (No Data) | 1.4254 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011453 | theLender - Flow Review_J13451 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5331.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4150.00 | No | (No Data) | 0.7785 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011497 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3249.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011506 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3711.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6114.00 | No | (No Data) | 1.6472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011676 | theLender - Flow Review_J13451 | (No Data) | XX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5867.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5868.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100011789 | theLender - Flow Review_J13451 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (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 | 9.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8869.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9700.00 | No | (No Data) | 1.0936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012015 | theLender - Flow Review_J13451 | (No Data) | XX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.5127 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5366.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6358.00 | No | (No Data) | 1.1849 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012087 | theLender - Flow Review_J13451 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | No | 3.75 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.6 | 0 | 33.6 | 33.6 | 33.6 | (No Data) | (No Data) | (No Data) | 24143.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012094 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.48 | 0 | 44.48 | 44.48 | 45.35 | (No Data) | (No Data) | (No Data) | 6942.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012225 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 3.563 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2663.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2800.00 | No | (No Data) | 1.0511 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012285 | theLender - Flow Review_J13451 | (No Data) | XX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3651.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 0.9037 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012630 | theLender - Flow Review_J13451 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2682.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0064 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100012721 | theLender - Flow Review_J13451 | (No Data) | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 8.3449 | No | No | 8.256 | (No Data) | (No Data) | (No Data) | 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) | (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) | -4069.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 12453.00 | No | (No Data) | 3.0602 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100013237 | theLender - Flow Review_J13451 | (No Data) | XX | NC | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 08/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | 7.6261 | Yes | Yes | 1.153 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.81 | 21.62 | 41.81 | 21.62 | 21.62 | 21.62 | No | No | (No Data) | 60381.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110100013584 | theLender - Flow Review_J13451 | (No Data) | XX | NJ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 08/XX/2025 | Permanent Resident Alien | U.S. Citizen | (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 | 8.4856 | Yes | Yes | 1.189 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.63 | 33.44 | 33.44 | 33.44 | 33.44 | 33.44 | No | No | (No Data) | 33231.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 3508202 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | ID | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 12/XX/2024 | U.S. Citizen | (No Data) | (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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | No | Yes | 1 | 7.2499 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -737.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1050.00 | No | (No Data) | 1.4241 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3508363 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 12/XX/2024 | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 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 | 8.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 14.21 | 0 | 14.21 | 14.21 | 14.21 | (No Data) | (No Data) | (No Data) | 255847 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3508440 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 12/XX/2024 | U.S. Citizen | (No Data) | (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 ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.24 | 0 | 38.24 | 38.24 | 38.24 | (No Data) | (No Data) | (No Data) | 16500.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 65 | No | (No Data) | No | (No Data) | 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 - 65 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3508951 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/XX/2025 | (No Data) | U.S. Citizen | (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 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4831.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3800.00 | No | (No Data) | 0.7864 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3509619 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1460.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | Yes | 1550.00 | 1.0609 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3509623 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/XX/2025 | (No Data) | U.S. Citizen | (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% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1448.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1875.00 | 1.2947 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3510032 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | (No Data) | U.S. Citizen | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2834.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.7638 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3510078 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | U.S. Citizen | Permanent Resident Alien | (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 | 7.1251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.19 | 0 | 40.19 | 40.19 | 40.19 | (No Data) | (No Data) | (No Data) | 9848.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 3510668 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3410.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.1142 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3510811 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1764.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.2467 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3511279 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3860.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0362 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3511461 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.8750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1553.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.3520 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3511472 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 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 | 6.8750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5473.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5600.00 | No | (No Data) | 1.0230 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 3511561 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2375.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 1.5573 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3511677 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1295.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.0036 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3511916 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | 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 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -894.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.3421 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512082 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 11.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1915.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0440 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512585 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2657.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0159 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512593 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2689.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2877.00 | No | (No Data) | 1.0697 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512720 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3 mos interest on amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 1.475 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.87 | 0 | 23.87 | 23.87 | 23.87 | (No Data) | (No Data) | (No Data) | 73821.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512734 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | 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 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2536.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3050.00 | No | (No Data) | 1.2024 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512771 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.07 | 0 | 32.07 | 32.07 | 32.07 | (No Data) | (No Data) | (No Data) | 6397.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 156 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512871 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 12.9991 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3594.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512877 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (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% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.53 | 0 | 43.53 | 43.53 | 43.53 | (No Data) | (No Data) | (No Data) | 16033.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3512928 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | Non-Resident Alien | U.S. Citizen | (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% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5060.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 6392.36 | 1.2632 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3513003 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | KY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 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 | 7.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1349.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1150.00 | No | (No Data) | 0.8520 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3513088 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | (No Data) | U.S. Citizen | (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% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1983.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3513132 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.1250 | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 27.99 | 0 | 27.99 | 27.99 | 27.99 | (No Data) | (No Data) | (No Data) | 45972.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3513184 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | (No Data) | (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% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.8596 | No | No | 6.876 | (No Data) | (No Data) | (No Data) | 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) | (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) | -2798.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.0005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3513206 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 07/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | 9.9990 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1473.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1830.00 | No | (No Data) | 1.2419 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200007979 | theLender - Flow Review_J13451 | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/XX/2025 | (No Data) | U.S. Citizen | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4025.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 0.7701 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | Employment Authorization Document | (No Data) |
| 420200008051 | theLender - Flow Review_J13451 | (No Data) | XX | KY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | U.S. Citizen | (No Data) | (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% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1706.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2674.00 | No | (No Data) | 1.5666 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200008091 | theLender - Flow Review_J13451 | (No Data) | XX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7849.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 14067.00 | No | (No Data) | 1.7922 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200008409 | theLender - Flow Review_J13451 | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8543.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 11653.33 | No | (No Data) | 1.3641 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200008965 | theLender - Flow Review_J13451 | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2825.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4194.00 | No | (No Data) | 1.4845 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200009089 | theLender - Flow Review_J13451 | (No Data) | XX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/XX/2025 | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 8.5000 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3648.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7113.33 | No | (No Data) | 1.9499 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200009621 | theLender - Flow Review_J13451 | (No Data) | XX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1428.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2033.33 | No | (No Data) | 1.4240 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 420200010856 | theLender - Flow Review_J13451 | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3817.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4860.00 | No | (No Data) | 1.2731 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7507407 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | 11/XX/2024 | U.S. Citizen | (No Data) | No | Second Home | 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 | 7.3602 | No | Yes | 1.156 | 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 | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.94 | 51.54 | 19.94 | 51.54 | 51.54 | 51.54 | Yes | Yes | Yes | 15934.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Business Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7507929 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 12/XX/2024 | U.S. Citizen | (No Data) | No | Second Home | 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 | 9.4132 | Yes | No | 3.611 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.85 | 38.73 | 0 | 38.73 | 38.73 | 38.73 | Yes | Yes | Yes | 13806.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 312 | No | (No Data) | No | (No Data) | 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 - 312 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7509018 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | MD | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | 02/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | No | 1 | 7.3305 | Yes | Yes | 3.085 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.93 | 31.33 | 38.93 | 31.33 | 31.33 | 31.33 | Yes | Yes | Yes | 14270.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7509399 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | 03/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.2942 | Yes | Yes | 1.615 | 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 | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.47 | 34.33 | 35.47 | 34.33 | 34.33 | 34.33 | Yes | Yes | Yes | 43620.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7510888 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | Yes | 1 | 7.9574 | No | No | 1.81 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.05 | 50.16 | 50.05 | 50.16 | 50.16 | 50.16 | Yes | Yes | Yes | 3879.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7510986 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | WA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | (No Data) | (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 | 10.4879 | Yes | Yes | 2.845 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.48 | 32.27 | 32.48 | 32.27 | 32.27 | 32.27 | Yes | Yes | Yes | 7589.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 57 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511063 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | 05/XX/2025 | U.S. Citizen | U.S. Citizen | (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 | Yes | 1 | 7.5684 | Yes | No | 1.896 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.06 | 42.66 | 44.06 | 42.66 | 42.66 | 42.66 | Yes | Yes | Yes | 19265.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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> Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511323 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | U.S. Citizen | (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) | Yes | Yes | 1 | 8.1179 | No | No | 3.479 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.44 | 47.44 | 47.44 | 47.44 | 47.44 | 47.44 | Yes | Yes | Yes | 4347.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511400 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | No | 1 | 7.2378 | Yes | Yes | 1.028 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.02 | 17.89 | 18.02 | 17.89 | 17.89 | 17.89 | Yes | Yes | Yes | 123187.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511404 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | Permanent Resident Alien | (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 | 9.2083 | No | No | 3.985 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.06 | 45.64 | 47.06 | 45.64 | 45.64 | 45.64 | Yes | Yes | Yes | 5140.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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 - 24 months;<br> Personal Bank Statements - 12 months | CPA Letter - 108 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 7511443 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | U.S. Citizen | (No Data) | (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 | 9.5514 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.28 | 10.28 | 10.28 | 10.28 | 10.28 | 10.28 | Yes | Yes | Yes | 73322.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | No | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511449 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 06/XX/2025 | Non-Permanent Resident Alien | (No Data) | (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 | 9.4498 | Yes | Yes | 3.574 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.44 | 33.31 | 38.44 | 33.31 | 33.31 | 33.31 | Yes | Yes | Yes | 8477.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 7511608 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | U.S. Citizen | (No Data) | (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 | 7.5774 | No | No | 3.202 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.7 | 44.27 | 44.27 | 44.27 | 44.27 | 44.27 | Yes | Yes | Yes | 13932.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | CPA Letter - 60 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7511658 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | NV | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | Permanent Resident Alien | Permanent Resident Alien | (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 | 8.4218 | Yes | Yes | 3.347 | 0.000 | (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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.62 | 34.12 | 33.62 | 34.12 | 34.12 | 34.12 | Yes | Yes | Yes | 5711.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | Green Card | Green Card | (No Data) | (No Data) |
| 7511690 | Citadel Securitization Flow Review_J10318 | (No Data) | XX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 07/XX/2025 | U.S. Citizen | (No Data) | (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 | 8.3724 | Yes | Yes | 3.477 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.41 | 32.67 | 39.41 | 32.67 | 32.67 | 32.67 | Yes | Yes | Yes | 5746.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 12 | 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;<br> CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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 99.5

**Exhibit 99.5 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client Name:** | PRP Advisors | PRP Advisors | PRP Advisors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | PRPM 2025-NQM5 | PRPM 2025-NQM5 | PRPM 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 2/7/2025 - 9/XX/2025 | 2/7/2025 - 9/XX/2025 | 2/7/2025 - 9/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 194 | 194 | 194 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *194* |  |  |  | **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 / LCA Score** |
| 1052953834 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1052955989 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1052979170 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  | 07/XX/2025 | $XX | $0.00 | 0.00% | Field Review |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 1052982806 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1052983385 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 1052985420 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1052986169 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100004924 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 110100005195 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100005847 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100006140 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  | 03/XX/2025 | $XX | $200000.00 | XX | Full Appraisal |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100006144 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | -$100000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 110100006640 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  | 05/XX/2025 | $XX | -$40869.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 110100006682 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100006887 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 05/XX/2025 | $XX | $2713.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100006966 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 110100006987 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100006999 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007050 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007051 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100007084 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100007190 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 05/XX/2025 | $XX | $43635.00 | XX% | XX | 7.000 | 93.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007208 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 110100007263 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100007287 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007372 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007395 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100007549 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007557 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  | 05/XX/2025 | $XX | -$5831.00 | XX% | XX | 2.000 | 98.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007559 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 110100007624 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | -$45000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 110100007644 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100007679 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 110100007698 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100007754 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 05/XX/2025 | $XX | -$4210.00 | XX% | XX | 5.000 | 95.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 110100007790 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  | 05/XX/2025 | $XX | $100000.00 | XX | Full Appraisal |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100007866 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007885 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100007947 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008044 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 110100008073 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008074 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008089 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 110100008119 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008170 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 05/XX/2025 | $XX | -$3865.00 | XX% | XX | 2.000 | 98.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 110100008171 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008210 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008258 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008267 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008290 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008435 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 05/XX/2025 | $XX | $149400.00 | XX% | XX | 9.000 | 91.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008440 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$47949.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 110100008526 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008565 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008590 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008618 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$7161.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 110100008650 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$6757.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 110100008672 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008695 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 06/XX/2025 | $XX | $9739.00 | XX% | XX | 5.000 | 95.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100008724 |  | XXX | XXX | $XX | 02/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 06/XX/2025 | $XX | $2746.00 | XX% | XX | 6.000 | 94.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 110100008774 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | $6329.00 | XX% | XX | 5.000 | 95.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008811 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008840 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$9996.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008860 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008861 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008880 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100008887 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$7441.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 110100008966 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 05/XX/2025 | $XX | -$10955.00 | XX% | XX | 4.000 | 96.00 | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100009015 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100009021 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009075 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 110100009093 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009099 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009121 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009180 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  | 06/XX/2025 | $XX | $62000.00 | XX | Full Appraisal |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100009220 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009229 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009373 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$134692.00 | XX% | XX | 15.000 | 85.00 | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009402 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 06/XX/2025 | $XX | -$6689.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 110100009424 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009485 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100009548 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | -$70219.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 110100009573 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009589 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 110100009604 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009636 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 110100009655 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100009678 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 06/XX/2025 | $XX | $67473.00 | XX% | XX | 5.000 | 95.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009712 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100009727 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009748 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009754 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009766 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 06/XX/2025 | $XX | -$9366.00 | XX% | XX | 8.000 | 92.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009817 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$31704.00 | XX% | XX | 8.000 | 92.00 | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 110100009896 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009922 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009923 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100009941 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100010217 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$9826.00 | XX% | XX | 7.000 | 93.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010272 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010283 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010384 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010408 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | -$8000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100010432 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$7167.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 110100010454 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 110100010480 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 110100010517 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | -$15000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100010652 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | $57021.00 | XX% | XX | 12.000 | 88.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 110100010655 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 07/XX/2025 | $XX | -$8794.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010672 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010732 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$29418.00 | XX% | XX | 6.000 | 94.00 | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 110100010745 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 110100010793 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100010811 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 110100010814 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 110100010896 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010906 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100010963 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011007 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 08/XX/2025 | $XX | -$25265.00 | XX% | XX | 10.000 | 90.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011014 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011173 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011191 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011235 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011292 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 110100011309 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100011372 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$14584.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100011438 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable | 07/XX/2025 | $XX | -$29716.00 | XX% | XX | 3.000 | 97.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100011453 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011497 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | $13267.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 110100011506 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100011676 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 110100011789 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100012015 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100012087 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100012094 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 110100012225 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 07/XX/2025 | $XX | -$29755.00 | XX% | XX | 4.000 | 96.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 110100012285 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110100012630 |  | XXX | XXX | $XX | 08/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 110100012721 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | -$3000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 110100013237 |  | XXX | XXX | $XX | 08/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 110100013584 |  | XXX | XXX | $XX | 08/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 08/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3508202 |  | XXX | XXX | $XX | 11/XX/2024 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 12/XX/2024 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3508363 |  | XXX | XXX | $XX | 12/XX/2024 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3508440 |  | XXX | XXX | $XX | 12/XX/2024 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 01/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3508951 |  | XXX | XXX | $XX | 02/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3509619 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3509623 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3510032 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 3510078 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3510668 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3510811 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 3511279 |  | XXX | XXX | $XX | 12/XX/2024 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3511461 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004C Manuf (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3511472 |  | XXX | XXX | $XX | 04/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3511561 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3511677 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3511916 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3512082 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1073 Condo (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3512585 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3512593 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3512720 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3512734 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3512771 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3512871 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1025 Multi-Fam (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3512877 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3512928 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3513003 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3513088 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3513132 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3513184 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3513206 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 420200007979 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 05/XX/2025 | $XX | -$21478.00 | XX% | XX | 7.000 | 93.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 420200008051 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 420200008091 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  | 06/XX/2025 | $XX | $8906.00 | XX% | XX | 3.000 | 95.00 |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 420200008409 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 420200008965 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 420200009089 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 420200009621 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 420200010856 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7507407 |  | XXX | XXX | $XX | 11/XX/2024 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 12/XX/2024 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7507929 |  | XXX | XXX | $XX | 02/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7509018 |  | XXX | XXX | $XX | 02/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 7509399 |  | XXX | XXX | $XX | 03/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 03/XX/2025 | $XX | -$100000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7510888 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7510986 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7511063 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7511323 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7511400 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  | 07/XX/2025 | $XX | $0.00 | 0.00% | Full Appraisal |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7511404 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  | Not Applicable |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7511443 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7511449 |  | XXX | XXX | $XX | 06/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7511608 |  | XXX | XXX | $XX | 05/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 7511658 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  |  | $XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7511690 |  | XXX | XXX | $XX | 07/XX/2025 | $XX | 1004 SFR (Mar 05) |  |  |  | $XX |  |  |  |  | $XX | $0.00 | 0.00% |  | 0.000 |  | 07/XX/2025 | $XX | -$37000.00 | XX% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 99.6

**Exhibit 99.6**

---

| | |
|:---|:---|
| **FORM ABS DUE DILIGENCE-15E** | OMB APPROVAL |

---

<u>OMB Number: 3235-0694</u> <br> <u>Expires: August 31, 2024</u> <br> <u>Estimated average burden hours per response: 120</u>

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

SEC 2917 (10-21) **Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE-15E**

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

&nbsp;&nbsp;Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 (15 U.S.C. 78o-7(s)(4)(B)). Section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence services relate.

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

Legal Name: <u>Covius Real Estate Services, LLC</u> 

Business Name (if Different):<u> </u>

Principal Business Address: <u>720 S. Colorado Blvd, Suite 200, Glendale, CO 80246</u> 

**Item 2. Identity of the person who paid the person to provide third-party due diligence services**

Legal Name: <u>PRP VI AIV Holdings, LLC</u> 

Business Name (if Different):<u> </u>

Principal Business Address: <u>7114 E. Stetson Dr., Suite 250, Scottsdale AZ 85251</u> 

**Item 3. Credit rating criteria**

If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the nationally recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria dated October 01, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp; Third-Party Due-Diligence and Representations &<br> Warranties Criteria for U.S. RMBS Transactions dated<br> September 30, 2024 |

---

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

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description: (1) the type of assets that were reviewed; (2) the sample size of the assets reviewed; (3) how the sample size was determined and, if applicable, computed; (4) whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; (5) whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted; (6) whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; (7) whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted; and (8) any other type of review that was part of the due diligence services conducted by the person executing this Form. This description should be attached to the Form and contain the heading "Item 4." Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization. Response: Please see "Covius Executive Summary PRPM 2025-NQM5" attached hereto.

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

Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in Item 2. This summary should be attached to the Form and contain the heading "Item 5."

Response: Please see "Covius Executive Summary PRPM 2025-NQM5" attached hereto.

**<u>CERTIFICATION</u>**

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

Name of Person Identified in Item 1: <u>Covius Real Estate Services, LLC</u> 

---

| | |
|:---|:---|
| By: | Dustin L Wallace |
|  | (Print name of duly authorized person) (Signature) |
| Date: | 10/29/2025 |

---

![](ex99-6_001.jpg)

Executive Summary<br> PRPM 2025-NQM5

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by nine sellers and acquired directly (or indirectly) by PRP VI AIV Holdings, LLC (the "Client"). The loan reviews were conducted from April 2025 through July 2025 by CRES.

(2) Number of Assets.

There were 15 assets in the loan population.

(3) Review Process.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria dated October 01, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |

---

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

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 15 mortgage loans with an aggregate original principal balance of approximately $9,129,700. The mortgage loans originated from April 2025 through July 2025.

(5) Asset Review

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

**Credit Review and Methodology**

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

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

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

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

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

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

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

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

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

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

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

**Property Valuation Review and Methodology**

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

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

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

**Compliance Review Methodology**

CRES reviews on one consumer loan included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees and provides a fee tolerance comparison across all LE's and CD's. In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing.

*CRES utilizes a third party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state, local high cost and/or anti-predatory laws and regulations tests were also completed using the third-party compliance software.

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

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories: (i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant with ATR: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026.

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

 

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;11 | &nbsp;&nbsp;73.33% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;4 | &nbsp;&nbsp;26.67% |

---

**Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit report.

&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003.

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies.

&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence.

&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003).

&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.

&nbsp;&nbsp;&nbsp;&nbsp;· Leases

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Note.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards.

&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract.

&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title.

&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Service Providers.

(6) Tape Data Compare

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

---

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

---

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

Of the 15 mortgage loans reviewed, five unique mortgage loans had at least one tape discrepancy across 21 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | **Discrepancy: No** | **Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;Appraised Value | 15 | 0 | 15 |
| &nbsp;&nbsp;CLTV | 15 | 0 | 15 |
| &nbsp;&nbsp;Doc Level | 15 | 0 | 15 |
| &nbsp;&nbsp;DSCR\* | 15 | 0 | 15 |
| &nbsp;&nbsp;DTI | 10 | 5 | 15 |
| &nbsp;&nbsp;FICO | 15 | 0 | 15 |
| &nbsp;&nbsp;First Payment Date | 15 | 0 | 15 |
| &nbsp;&nbsp;Interest Rate | 15 | 0 | 15 |
| &nbsp;&nbsp;Lien Position | 15 | 0 | 15 |
| &nbsp;&nbsp;LTV | 15 | 0 | 15 |
| &nbsp;&nbsp;Note Date\* | 15 | 0 | 15 |
| &nbsp;&nbsp;Note Type | 15 | 0 | 15 |
| &nbsp;&nbsp;Occupancy | 15 | 0 | 15 |
| &nbsp;&nbsp;Original Balance | 15 | 0 | 15 |
| &nbsp;&nbsp;P&I Payment\* | 15 | 0 | 15 |
| &nbsp;&nbsp;Property City | 15 | 0 | 15 |
| &nbsp;&nbsp;Property State | 15 | 0 | 15 |
| &nbsp;&nbsp;Property Zip | 15 | 0 | 15 |
| &nbsp;&nbsp;Purpose | 15 | 0 | 15 |
| &nbsp;&nbsp;QM Type\* | 15 | 0 | 15 |
| &nbsp;&nbsp;Term | 15 | 0 | 15 |
| \*DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | \*DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | \*DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | \*DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. |

---

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 86.67% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans by number have a Compliance grade of "B" or higher and 93.33% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of all mortgage loans by number received a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 80.00% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;3 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;11 | &nbsp;&nbsp;73.33% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;5 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;10 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;8 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;5 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**5-10 Unit Multi-Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**<0 or\*** | 0 | 0.00% |
| &nbsp;&nbsp;**0-0.199** | 0 | 0.00% |
| &nbsp;&nbsp;**0.2-0.399** | 0 | 0.00% |
| &nbsp;&nbsp;**0.4-0.599** | 0 | 0.00% |
| &nbsp;&nbsp;**0.6-0.799** | 0 | 0.00% |
| &nbsp;&nbsp;**0.8-.999** | 0 | 0.00% |
| &nbsp;&nbsp;**1-1.199** | 3 | 60.00% |
| &nbsp;&nbsp;**1.2-1.399** | 2 | 40.00% |
| &nbsp;&nbsp;**1.4-1.599** | 0 | 0.00% |
| &nbsp;&nbsp;**1.6-1.799** | 0 | 0.00% |
| &nbsp;&nbsp;**1.8-1.999** | 0 | 0.00% |
| &nbsp;&nbsp;**=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **5** | **100.00%** |
| **Ten loans qualified under a DTI program.** | **Ten loans qualified under a DTI program.** | **Ten loans qualified under a DTI program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | **Count** | **Percentage** |
| &nbsp;&nbsp;**0-10%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-20%** | 6 | 60.00% |
| &nbsp;&nbsp;**20%-30%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-40%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-50%** | 4 | 40.00% |
| &nbsp;&nbsp;**50%-60%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **10** | **100.00%** |
| &nbsp;&nbsp;**Five loans qualified under a DSCR program.** | &nbsp;&nbsp;**Five loans qualified under a DSCR program.** | &nbsp;&nbsp;**Five loans qualified under a DSCR program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0%-9.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 1 | 6.67% |
| &nbsp;&nbsp;**70%-79.99%** | 11 | 73.33% |
| &nbsp;&nbsp;**80%-89.99%** | 3 | 20.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**15** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| **CA** | 1 | 6.67% |
| **FL** | 2 | 13.33% |
| **GA** | 3 | 20.00% |
| **IN** | 1 | 6.67% |
| **MN** | 1 | 6.67% |
| **NJ** | 2 | 13.33% |
| **NY** | 1 | 6.67% |
| **UT** | 4 | 26.67% |
| &nbsp;&nbsp;**Total** | **15** | **100.00%** |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](ex99-6sch1_001.jpg) |  |  |  |  |
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 16* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/XX/2014** | **TRID Indicator** |
| XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| XXX | XXX | Not covered/exempt | No | No |
| XXX | XXX | Not covered/exempt | No | No |
| **XXX** |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** | **Rating Agency Exceptions Report: 10/XX/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXX | XXX | FL | Purchase | Owner Occupied | PUD | 40.15 |  | 725 | 75.00% | XXX | XXX | Credit | Income - Self Employment | Borrowers business income comes from Crypto deposits which is an ineligible income source. | Exception for using Coinbase deposits approved by XX due to the nature of the borrowers business. | Credit Score - 725 , LTV - 75% | Client Accepted D B | 2 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Eligibilty | Subject property was not listed for sale on the MLS, contract was prior to listing, borrowers agent and listing agent work in the same office. | Exception for subject entering into contract prior to public listing approved by XX and in file. | Months Of Reserves - 14.95 | Client Accepted D B | 2 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Power of Attorney | Per guidelines when using a POA for closing the POA must be specific to the transaction, contain an expiration date and the initial 1003 must be signed by the borrower. In this case an expiration date is missing from the POA form. | 6/XX/2025: POA verified for the purchase of the subject property only. |  | Cleared Exception D B | 1 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Program Eligibilty | Per guidelines the minimum DSCR is 1.10 when using short-term rental to qualify. Current DSCR at 80% of market rent is 1.093. | An exception dated 05/XX/2025 was provided allowing the subject to be considered as mid term rental instead of short term rental. | Months Of Reserves - 14.95 | Client Accepted D B | 2 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Program Eligibilty | Per guidelines the maximum LTV when using short-term rental to qualify is 75%. Loan closed at 80% LTV. | Loan qualified as mid term rental instead of short term rental. |  | Cleared Exception D B | 1 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Credit - Eligiblity | Per guidelines the minimum credit score when using short-term rental to qualify is 700. Borrowers credit score is 686. | Loan qualified as mid term rental instead of short term rental. |  | Cleared Exception D B | 1 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Property | Appraisal | The XXXX is missing from the loan file. | Loan qualified as mid term rental instead of short term rental. Not required. |  | Cleared Exception D B | 1 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Property | Appraisal | The Property Guard report is missing from the loan file. | Loan qualified as mid term rental instead of short term rental. Not required. |  | Cleared Exception D B | 1 |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3665 | 686 | 80.00% | XXX | XXX | Credit | Rental Income | Evidence the borrower has at least 1 year experience operating a short-term rental is missing from the loan file. | Loan qualified as mid term rental instead of short term rental. Not required. |  | Cleared Exception D B | 1 |
| XXX | XXX | GA | Refi - Cash Out | Owner Occupied | PUD | 15.43 |  | 708 | 70.00% | XXX | XXX | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXX | XXX | GA | Refi - Cash Out | Owner Occupied | PUD | 15.43 |  | 708 | 70.00% | XXX | XXX | Compliance | Other | This loan failed the charges that in total cannot increase more than 10% test. The initial LE reflects the charges that cannot increase by 10% as $60.00, however the final CD reflects the charges that cannot increase by 10% as $160.00, an increase of $100.0. A change of circumstance for the Recording Fee is missing from the file; otherwise a refund of $94.00 is required to reduce the fee under the 10% tolerance. 2). Discount Points was added on Initial CD 06/XX/2025 for $2971.50 without a Change of Circumstance, increased on Final CD 06/XX/2025 to $5943.00 without a Change of Circumstance. | Post consummation CD provided to cure. |  | Cleared Exception B | 2 |
| XXX | XXX | GA | Refi - Cash Out | Owner Occupied | PUD | 15.43 |  | 708 | 70.00% | XXX | XXX | Credit | AUS/Loan Approval | Loan was locked under the Prime Flex Connect program, however, a copy of the AUS findings is missing from the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXX | XXX | GA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 49.94 |  | 763 | 75.00% | XXX | XXX | Credit | Income | The DTI ratio is 55.14% which exceeds guidelines (50%). The 1008 has a 49.7% DTI ratio. Difference is due to income. Lender used $XX per month but only excluded some of the transfers from XX. Audit calculated a $XX monthly income and excluded all the transfers from 3617. | 7/XX: Lender did not exclude all of the transfers. Please see audit worksheet for all excluded deposits.<br> 08/XX/25: Documentation provided to cure. included the XX deposits from the personal bank statements which are business related. |  | Cleared Exception A | 1 |
| XXX | XXX | GA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 49.94 |  | 763 | 75.00% | XXX | XXX | Credit | Credit | The statement for XX #XX with a $XX payment on the REO schedule for the property at XX was not in the file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | 41.6 |  | 699 | 75.00% | XXX | XXX | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage is missing from the loan file. | 06/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | 41.6 |  | 699 | 75.00% | XXX | XXX | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed or Quit Claim Deed from XX LLC is missing from the loan file. | 06/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | MN | Purchase | Non-Owner Occupied | Single Family Detached | 16.26 |  | 725 | 80.00% | XXX | XXX | Credit | Hazard Insurance | Evidence of 6 months' rent loss coverage on the hazard insurance policy is missing from the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | IN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0371 | 728 | 75.00% | XXX | XXX | Credit | HUD-1 | Provide a legible copy of the final HUD-1. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | IN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0371 | 728 | 75.00% | XXX | XXX | Credit | Credit | No open and active mortgages reporting on credit will require a pre-approval. | 07/XX/25: A pre-approval was provided for the housing history. |  | Cleared Exception D A | 1 |
| XXX | XXX | IN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0371 | 728 | 75.00% | XXX | XXX | Credit | Final 1003 Discrepancies | Borrower's current city and state on the Final 1003 does not match the credit report. | 7/XX: Credit report needs to reflect correct current city, state, and zip code. <br> 7/XX: Credit report shows XX, XX XX but should be XX. Needs to be corrected on credit.<br> 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | IN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0371 | 728 | 75.00% | XXX | XXX | Credit | Final 1003 | Section X (Information for Government Monitoring) of the final 1003 is not completed. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | IN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0371 | 728 | 75.00% | XXX | XXX | Compliance | Other | Provide a copy of the final Amortization Schedule. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1521 | 705 | 75.00% | XXX | XXX | Credit | Underwriting Condition Not Met | Final Amortization schedule was not in the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1521 | 705 | 75.00% | XXX | XXX | Credit | Credit | No open and active mortgages reporting on credit will require a pre-approval. | XX approved the loan. |  | Cleared Exception A | 1 |
| XXX | XXX | GA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.3313 | 625 | 67.00% | XXX | XXX | Credit | Warranty Deed / Quit Claim Deed | The loan file does not contain the Warranty Deed. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | GA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.3313 | 625 | 67.00% | XXX | XXX | Credit | Credit | The borrower received a gift of equity from her brother. The loan file does not contain subject property mortgage rating from seller as required or approval from XX for no mortgage rating from seller. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX | NY | Refi - Cash Out | Second Home | Condo Attached | 43.54 |  | 758 | 75.00% | XXX | XXX | Credit | Credit - Eligiblity | An internet search of the borrower's business XX LLC., that matches the business narrative is missing from the loan file | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | NY | Refi - Cash Out | Second Home | Condo Attached | 43.54 |  | 758 | 75.00% | XXX | XXX | Credit | Credit - Eligiblity | An internet search of the borrower's business XXX., that matches the business narrative is missing from the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | NY | Refi - Cash Out | Second Home | Condo Attached | 43.54 |  | 758 | 75.00% | XXX | XXX | Credit | Employment | Loan closed in the name of a corporation; a Personal Guarantee signed by the borrower is missing from the loan file. | 07/XX/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXX | XXX | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0327 | 703 | 73.89% | XXX | XXX | Credit | Hazard Insurance | Provide Replacement Cost Estimator verifying sufficient hazard insurance coverage. The policy provided shows coverage of $XX and is insufficient to support the loan of $XX and the appraisal reflects replacement cost at $XX | 07/XX/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | XXX | UT | Refi - Cash Out | Non-Owner Occupied | PUD | 14.41 |  | 774 | 75.00% | XXX |  |  |  |  |  |  | A |  |
| XXX | XXX | UT | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 14.41 |  | 774 | 75.00% | XXX |  |  |  |  |  |  | A |  |
| XXX | XXX | UT | Refi - Cash Out | Non-Owner Occupied | PUD | 14.41 |  | 774 | 75.00% | XXX |  |  |  |  |  |  | A |  |
| XXX | XXX | UT | Refi - Cash Out | Non-Owner Occupied | PUD | 14.41 |  | 774 | 75.00% | XXX |  |  |  |  |  |  | A |  |
| XXX | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0911 | 746 | 80.00% | XXX |  |  |  |  |  |  | A |  |
| **5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 10/3/2025** | **Rating Agency Grades: 10/3/2025** | **Rating Agency Grades: 10/3/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXX | XXX | XXX D A C B |
| XXX | XXX | XXX A |
| XXX | XXX | XXX A |
| XXX | XXX | XXX A |
| XXX | XXX | XXX A |
| XXX | XXX | XXX C A D B |
| XXX | XXX | XXX C A B |
| XXX | XXX | XXX C A |
| XXX | XXX | XXX C A |
| XXX | XXX | XXX C A |
| XXX | XXX | XXX D C A |
| XXX | XXX | XXX C A |
| XXX | XXX | XXX C A |
| XXX | XXX | XXX D C A |
| XXX | XXX | XXX A |
| XXX | XXX | XXX C A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXX | XXX | 8.94 | 15.43 | DTI | 6.49 | Yes |
| XXX | XXX | 49.91 | 43.54 | DTI | -6.37 | Yes |
| XXX | XXX | 8.05 | 16.26 | DTI | 8.21 | Yes |
| XXX | XXX | 44.63 | 41.6 | DTI | -3.03 | Yes |
| XXX | XXX | 33.78 | 49.94 | DTI | 16.16 | Yes |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXX | XXX | 4/XX/2025 | XXX | 75.00% | Appraised Value | XXX | $1450000.00 | 3/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 4/XX/2025 |  |  |  |  |  | 2.6 Fannie Mae | 3/XX/2025 |
| XXX | XXX | 5/XX/2025 | XXX | 75.00% | Appraised Value |  | $460000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 5/XX/2025 | XXX | 75.00% | Appraised Value |  | $460000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 5/XX/2025 | XXX | 75.00% | Appraised Value |  | $460000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 5/XX/2025 | XXX | 75.00% | Appraised Value |  | $460000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 5/XX/2025 |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 5/XX/2025 | XXX | 80.00% | Sale Price | XXX | $535000.00 | 4/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 5/XX/2025 |  |  |  |  |  | 2.6 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 6/XX/2025 | XXX | 70.00% | Appraised Value |  | $3396000.00 | 3/XX/2025 | XX | Full Appraisal | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | XXX | 6/XX/2025 | XXX | 75.00% | Appraised Value |  | $330000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 6/XX/2025 |
| XXX | XXX | 6/XX/2025 | XXX | 75.00% | Appraised Value |  | $570000.00 | 4/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 5/XX/2025 |  |  |  |  |  | 2.5 Fannie Mae | 4/XX/2025 |
| XXX | XXX | 6/XX/2025 | XXX | 80.00% | Appraised Value | XXX | $435000.00 | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 6/XX/2025 |  |  |  |  |  | 1.1 Fannie Mae | 6/XX/2025 |
| XXX | XXX | 6/XX/2025 | XXX | 75.00% | Appraised Value |  | $140000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 6/XX/2025 |  |  |  |  |  | 3.4 Fannie Mae | 6/XX/2025 |
| XXX | XXX | 7/XX/2025 | XXX | 75.00% | Appraised Value |  | $1690000.00 | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 6/XX/2025 |  |  |  |  |  |  |  |
| XXX | XXX | 7/XX/2025 | XXX | 67.00% | Appraised Value | XXX | $850000.00 | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 6/XX/2025 |  |  |  |  |  | 2.6 Fannie Mae | 6/XX/2025 |
| XXX | XXX | 6/XX/2025 | XXX | 75.00% | Appraised Value |  | $640000.00 | 4/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 5/XX/2025 |  |  |  |  |  |  |  |
| XXX | XXX | 7/XX/2025 | XXX | 80.00% | Sale Price | XXX | $560000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |
| XXX | XXX | 7/XX/2025 | XXX | 73.89% | Appraised Value |  | $406000.00 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | ClearCapital | 6/XX/2025 |  |  |  |  |  | 1 Fannie Mae | 5/XX/2025 |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary

PRPM 2025-NQM5

Dated: October 27, 2025

---

| |
|:---|
| **290 S. Preston Road. \| Suite 370 \| Prosper, TX 75078** |
| **P: 888.892.1843 \| evolvemortgageservices.com** |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size of the assets reviewed.**

The final population of the Review covered 79 Loans, including 66 Residential and 13 Business Purpose Loans, totaling an aggregate original principal balance of approximately $30,098,530.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Fitch Ratings, Inc and Morningstar DBRS, Inc. ("DBRS"), 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 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, included the following data fields:

---

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

---

Additional information about the data integrity review is included below.

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

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

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|:---|:---|:---|
| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

**Employment and Income:** Evolve 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, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** Evolve 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, Evolve 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).

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|:---|:---|:---|
| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

**Fraud Review:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve 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, Evolve 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.

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|:---|:---|:---|
| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

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

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| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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|:---|:---|:---|
| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;78.48% | &nbsp;&nbsp;62 | &nbsp;&nbsp;78.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.06% | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.46% | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;79.75% | &nbsp;&nbsp;63 | &nbsp;&nbsp;79.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;20.25% | &nbsp;&nbsp;16 | &nbsp;&nbsp;20.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;74.68% | &nbsp;&nbsp;59 | &nbsp;&nbsp;74.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;25.32% | &nbsp;&nbsp;20 | &nbsp;&nbsp;25.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;79 | &nbsp;&nbsp;3.80% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;79 | &nbsp;&nbsp;5.06% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;79 | &nbsp;&nbsp;41.77% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;79 | &nbsp;&nbsp;55.70% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;79 | &nbsp;&nbsp;55.70% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;77 | &nbsp;&nbsp;79 | &nbsp;&nbsp;97.47% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;79 | &nbsp;&nbsp;5.06% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;27 | &nbsp;&nbsp;79 | &nbsp;&nbsp;34.18% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;79 | &nbsp;&nbsp;11.39% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;19 | &nbsp;&nbsp;79 | &nbsp;&nbsp;24.05% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;79 | &nbsp;&nbsp;10.13% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;79 | &nbsp;&nbsp;3.80% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;79 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;7 | &nbsp;&nbsp;79 | &nbsp;&nbsp;8.86% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;35 | &nbsp;&nbsp;79 | &nbsp;&nbsp;44.30% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;79 | &nbsp;&nbsp;3.80% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;6 | &nbsp;&nbsp;79 | &nbsp;&nbsp;7.59% |

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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.

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

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

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

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

&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;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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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 loan file;

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <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;■ Initial application (1003);

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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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;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;

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

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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;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);

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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;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;

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

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

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

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

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

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

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| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17\| Page |

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![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

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

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

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

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

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| ![](ex99-7_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18\| Page |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1669036 | XXXXXXXX | XXXXXXXX | DSCR | 1.357 | 1.550 | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Original P&I |  | 1520.14 | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1669036 | XXXXXXXX | XXXXXXXX | Self-Employment Flag | False | N | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 0.920 | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | 2490.45 | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | Two Family | Verified |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1630344 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1630344 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 40.40200 | 0.40402 | Verified |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632843 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632843 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 1.000 | 1.020 | Verified |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | verified |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 37.85300 | 0.43276 | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 41.71200 | 0.41712 | Verified |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Full | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 47.95100 | 0.48202 | Verified |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 23.15000 | 0.23150 | Verified |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 14.97400 | 0.14974 | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 21.37900 | 0.21379 | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 9.76400 | 0.10147 | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 32.33200 | 0.32332 | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 24.80000 | 0.24800 | Verified |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.02600 | 0.42026 | Verified |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.10200 | 0.42102 | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Condo-Lo 1-4 Stories | Townhouse | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 29.06000 | 0.29060 | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Full | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Three Family | PUD-Detached | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 35.41800 | 0.35418 | Verified |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 20.46600 | 0.20466 | Verified |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 45.31800 | 0.45321 | Verified |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 38.22700 | 0.38364 | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 13.00300 | 0.13181 | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 10.01400 | 0.10014 | Verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 41.29500 | 0.41896 | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 39.88400 | 0.39884 | Verified |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 41.26500 | 0.41265 | Verified |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Non-Warrantable Condo | PUD-Detached | Verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 27.93000 | 0.43323 | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 41.21400 | 0.41214 | Verified |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BITIN 30 YR FIXED 5 YR PPP | BITIN30YRFIXED5YRPPP | Verified |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 26.96700 | 0.27827 | Verified |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 41.80900 | 0.42984 | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Condo-Lo 1-4 Stories | Condo-Hi >8 Stories | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 38.23200 | 0.38232 | Verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Full | verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 49.68400 | 0.49684 | Verified |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | verified |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BITIN 30 YR FIXED 3 YR PPP | BITIN30YRFIXED3YRPPP | Verified |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BITIN 30 YR FIXED 5 YR PPP | BITIN30YRFIXED5YRPPP | Verified |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 44.44300 | 0.44443 | Verified |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 37.26900 | 0.37269 | Verified |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 44.49600 | 0.44102 | Verified |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 44.26300 | 0.44263 | Verified |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 29.65500 | 0.30126 | Verified |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | verified |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Full | verified |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 44.84800 | 0.44848 | Verified |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | verified |
| 1641136 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641136 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 1641136 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 1641136 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641136 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641136 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXX | XXXXXXX | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Occupancy | Investor | Primary | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | 2117.64 | 2215.81 | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 51.30000 | 0.34207 | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.399 | 1.310 | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXX | XXXXX | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Original P&I | 2417.89 | 2595.08 | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1669443 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) | ![](ex99-7sch2_001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121167 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXXXX approval for review. | Approval provided |  |  | 12/02/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121262 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing XXXXXX report with all XXXXX and medium alerts cleared. | received fraud report with alerts cleared |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121263 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan approval, XXXXXX rate lock and fraud report are missing from the loan file. XXXX credit review is on hold until documents received. | Credit documents provided |  |  | 11/29/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121348 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide XXXXX dated within XX days of application date. XXXXX was not located in file. | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121350 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide initial XXX and any revised XXXXXXXXXX XXX XXXXXXXX were located in file. | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121351 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121352 | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Provide initial XXX and any revised XXXXXXXXXX XXXXX final XXX located in file. | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121353 | 986 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Provide e-consent dated on or before earliest e-signature date. | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | 7121354 | 1058 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 12/10/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7120463 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing XXXXXX XXXXXXX with all XXXXX and XXXXXXX alerts cleared. | received acceptable fraud report |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121149 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/09/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121150 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Missing XXXXXXXXXX XXXXX initial XXX and any revised XXXXXXXXX | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121151 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Need XXXXXXX XXXX | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121152 | 1058 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121153 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need the XXXXX within XX days of XXXXXX application date. | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121154 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | Need the XXXXX XXXXX XXXXXXXX within XX days of XXXXXX application date. | Information provided |  |  | 12/17/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | 7121532 | 896 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | Please provide evidence the XXXXXX XXX was received at or before closing | information provided |  | Reviewer 12/17/2024 08:31 AM; XX/XX XXX uploaded is not signed and does not reflect the borrower received at or before closing. XXXXXXXXXXX remains open<br>Client 01/07/2025 11:43 AM; why does this need to be signed? <br>Reviewer 01/07/2025 11:52 AM; <br>Reviewer 01/07/2025 12:02 PM; <br>Client 01/08/2025 04:52 PM; Please see uploaded XXXX as the XXXXXX XXX was used for balancing purposes and was not issued to the borrower <br>Reviewer 01/09/2025 09:24 AM; <br>Reviewer 01/09/2025 10:59 AM; <br>| 01/09/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | 7121583 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing XXXXXX XXXXXXX with high and medium alerts cleared. | received XXX fraud report with alerts cleared by lender |  | Reviewer 12/12/2024 08:56 AM; Fraud XXXXXXX appears to be corrupt XXXXXXX re-load. XXXXXX you<br>| 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | 7121595 | 106 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is incomplete. |  | Missing page XXX of the XXXXXX XXXXXX XXXXXXX signature and date page.) | information provided |  |  | 12/09/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | 7121596 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | information provided |  |  | 12/12/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | 7121597 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need proof the XXXXXX XXX was rec''''d by the borrower. | information provided |  |  | 12/09/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | 7121264 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application must be in file. XXXXXXXX is only XX application in file per borrower that is signed at consummation.) | Information provided |  | Reviewer 12/11/2024 02:32 PM; File is corrupt. XXXXXXX to open<br>Reviewer 12/12/2024 12:27 PM; XXXX provided is not the initial application. XXXX remains open<br>| 12/17/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | 7121357 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide evidence XXXXX XXXXXXXXXX XXXXXXXXXXX disclosure was disclosed to the borrower within XX days of application date. | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | 7121358 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide XXXXX disclosed within XX days of application date. XXXXX was not located in file. | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | 7121359 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide initial XXX and any revised XXXXXXXXXX XXX XXXXXXXX were located in file. | Information provided |  |  | 12/03/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | 7121360 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/06/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | 7124894 | 185 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide the XXXXXX XXXXXXXXXX XXXXXXX for review. | information provided |  | Reviewer 01/10/2025 02:15 PM; Escalated for review<br>Client 01/10/2025 04:37 PM; There might have two XXXXXX certs. XXXX is dated XXXXXXXXXXX and marked "yes". XXXXXX is an updated one dated XXXXXXXXXXX that is marked "no". XXX flood insurance is required, thank you! <br>Reviewer 01/13/2025 08:14 AM; <br>Reviewer 01/13/2025 09:05 AM; Flood cert provided does not match the address on the XXXXX or the XXXXXXX in the legal description. XXXXXXXX should be XXX XXXXXX XXXX and XXXXXXX should be XXXXXXXXXXX XXXXXXX provide corrected XXXXXX XXXX<br>Reviewer 01/13/2025 03:54 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 01/13/2025 |  |  | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | 7125099 | 962 | XXXXXXXXXX | Valuation | Appraisal |  | Appraisal - FEMA Disaster |  | Property is in disaster area. XXXXX disaster cert |  | PDI provided - no damage XXXXXXX has not declared end date) | Reviewer 01/21/2025 09:13 AM; Disaster cert will be required after an incident end date has been declared<br>Client 01/21/2025 09:23 AM; I am confused, XX thought that if we provide a disaster cert after the disaster date but before the end date, we can at least cure to a XX due to end date had not been met. <br>Reviewer 01/21/2025 09:37 AM; <br>Reviewer 01/21/2025 02:27 PM; <br>|  |  | 01/21/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | A | A | C | B | C | A |  | Exempt | 1 |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | 7125216 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA provided in file is dated before appraisal and is not valid. XXXX dated XXXXXXXXXXX and XXXXXXXXXX dated XXXXXXXXXXXX | Received current XXX |  |  | 01/12/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | A | A | C | B | C | A |  | Exempt | 1 |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | 7127807 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXXXXXXXX due to addition of XXXX appraisal and re-inspection fee with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | PCCD provided |  | Client 01/22/2025 09:56 AM; Please see the attached proof of cure in the amount of XXXXXXXXXX for exceeding the XXX XXXXXXXXXX fee for the XXXX XXXXXXXXXX XXXX and XXXXXXXXX XXXXXX XXXXXXXXX is a copy of the XXXXXXXXXX added by XXX adding the condition for the XXXXX<br>Reviewer 01/22/2025 10:14 AM; <br>Reviewer 01/22/2025 02:27 PM; \*\*\*received XXXXXX however it did not cure the full amount required to be refunded. XXXXXX violation is XXXXXXXXXXXX XXXXX only cured XXXXXXXXXXXX XXXXX evidence of the additional XXXXXXXXXX refund along with XXXX to borrower and XXXXX reflecting total cure of XXXXXXXXXXXXX XXXX must be issued within XXX days of consummation. <br>Reviewer 01/22/2025 02:49 PM; Hello <br> XXXX XXXXXX was required due to the XXXX appraisal being subject to. XXXXX was given for the XXXX appraisal due to no valid coc, therefore the XXXXXX is also required to be refunded. <br>XXXXXX<br>|  | 01/23/2025 |  | B | 2 | XXXXXXXXXX | OH | 1 | 1 | C | B | A | A | C | B | A | A |  | Exempt | 1 |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | 7127816 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/23/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | B | A | A | C | B | A | A |  | Exempt | 1 |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | 7128023 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XX% tolerance violation of XXXXXXXXXX due to addition of recording fees with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting total cure of XXXXXXXXXX XXXXX cured violation for XXXX appraisal fee) all must be issued within XXX days of consummation. | PCCD received |  |  |  | 01/28/2025 |  | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | A | A | C | B | A | A |  | Exempt | 1 |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | 7130274 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | e consent on or before XXXXX is missing | Information provided |  |  | 03/03/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | 7130613 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing the XXXX level credit rating as per guideline, properties with a XXX condition rating require a second level review in credit risk. | received XXXX level review for property condition |  |  | 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | 7130907 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXXX with the XXX XXXXXXX XXXXXX phone number and the XXXXXX address and phone number listed on page XXX | Information provided |  |  | 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | B | A | A | A |  | Exempt | 1 |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | 7132467 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing exception approval for accepting a transferred appraisal that is not part of an XXXX |  | Exception approval granted for accepting a transferred appraisal that is not part of an XXXX subject to receipt of a desk review that provides a value without any variance. XXXXXXXXXXXXX factors are XXXX XXXXX score of XXXX over minimum of XXXXX XXXX XXXXX XX years of credit history with no delinquent accounts XXXX post-closing reserves over the XXXXXXXX minimum |  |  |  | 03/04/2025 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | B | A | A | A |  | Exempt | 1 |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | 7132478 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing documentation confirming that the coborrower is a XXX XXXXXXXXXX XXXX final XXXXX states that the coborrower is a XXX XXXXXXXXXX XXXX identification document in the file is XXXXXXXXXX XXXXXXXXX XXXXXX card suggesting that the coborrower is a XXXXXXXXXX XXXXXXXXX XXXXXXXX XXX the coborrower status is changed a revised signed XXXXX with the correct citizen status will be required. | Revised XXXXX provided. |  |  | 04/08/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | B | A | A | A |  | Exempt | 1 |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | 7133311 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for a transferred appraisal without an XXXXXX |  | Compensating XXXXXXXXX XXXXX XX tradelines rated over XX years; XXX credit lates in the past XXX months; XXXXXXXXXX mortgage payment history dating back to XXXXXX XXXX supports value with no variances. |  |  |  | 03/11/2025 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | 7133312 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A fraud report with all high and medium alerts cleared was not provided. | XXX report provided XXX high alerts |  | Client 03/12/2025 04:50 PM; Please find final XXXXXX XXXXXX uploaded for your review. XXXXXX you. <br>Client 03/12/2025 04:54 PM; Please find attached cleared fraud guard. XXXXXX you. <br>Reviewer 03/12/2025 08:46 PM; Review is recommended for XXXXXXXXXXXXXX XXXXXXX XXXXXXX provide verification of match from XXX<br>Reviewer 03/13/2025 06:21 AM; Condition has been reviewed. XXX<br>Reviewer 03/13/2025 06:21 AM; Condition has been reviewed. XXX<br>| 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | 7133273 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | 7133274 | 920 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Need the correct XXX that was signed at closing. XXX in file dated and signed XXXX is missing rate, loan calculations info, contact information, etc..., and the fees on pg XX appear incorrect. | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | 7133674 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | EXCEPTION \* XXXX XXXXXX tradelines reporting for XXX months or one XXXXXX tradeline reporting for XXX months, all with activity in the last XXX days. XXXXXXXXXXX XXXXX accounts are ineligible to count toward this requirement |  | DEVIATION: XXXXXXXXX has only XX eligible active tradelines on XXXXXXX XXXXXXXX one has been reviewed for XX months (credit report recent account statements to show pay history and activity) and the other for XXX months XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX XXX months, XXXXXXXXXX XXXXXX XXXXX XXXXXXXX XXXXX XXXXXX XXXX XXX least XXX months reserves; XX > min XXXX XXXXXXXXX must be borrowers own funds XXXXXX XXXXXX for reserves) XXXX XXX XXXXXXX on XXXXXXX XXXXXXX and very close to meeting guidelines (will have XXXXXXXX |  |  |  | 03/13/2025 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | 7133319 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/28/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | A | C | B | A | A |  | Exempt | 1 |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | 7133320 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for increase in XXXXXXX XXXXXXX XXXX and addition of XXX XXXX XXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX was provided. XXX additional refund of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | PCCD provided |  | Reviewer 03/18/2025 02:28 PM; No documentation provided<br>Reviewer 03/18/2025 02:28 PM; No documentation provided<br>Reviewer 03/27/2025 02:11 PM; PCCD should reflect the total cure of XXXXXXXXXXXX XXXX XXXXX XXXXX only reflects XXXXXXXXX <br>|  | 06/30/2025 |  | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | A | C | B | A | A |  | Exempt | 1 |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | 7133844 | 346 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | Provide complete sales contract, including all addendums. XXXXX page XX of the original contract and change orders were provided. | Received change order XXXX to the sales contract with final XXXXX of XXXXXXXXX |  | Reviewer 03/18/2025 12:13 AM; The contract provided reflects change order XXXX with sales XXXXX of XXXXXXXXXX dated XXXXXXXX and change order XXXX with sales XXXXX of XXXXXXXXXX also dated XXXXXXXXXX XXXX closing disclosure and XXXXX reflect sales XXXXX of XXXXXXXXXXXX XXXXXXXX documentation to confirm the correct sales XXXXX of subject property<br>| 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | A | C | B | A | A |  | Exempt | 1 |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | 7133847 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing fraud report | Alert XXXXXXXX on XXXXX XXXXX of the XXXXXXXXXX report addresses the XXXXXXXXX |  | Reviewer 03/18/2025 10:22 AM; Document received includes some medium and high alerts. XXXXXXXX lender comments to clear each one XXXX provide XXXX clearance for the appraiser and appraisal company and XXXXX and XXXX XXXXXXXXXX for XXXXXXXXXXXX XXXXXXXX appearing on the participant list<br>Client 03/18/2025 11:28 AM; All comments were provided on XXXXXX alert summary- <br>Reviewer 03/18/2025 11:56 AM; <br>| 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | A | C | B | A | A |  | Exempt | 1 |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | 7133856 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide verification of the subject property XXXX dues of XXXXXXXXXXX as indicated on the final XXX and XXXXXXX XXXX appraisal does not list XXXX dues as the property is a XXXXX therefore additional verification is required as it was utilized in qualifying the borrower. XXX there are no XXXX dues on the property, a revised final XXXXX and XXX is required. | received revised XXXXX and XXX without XXX |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | 7137636 | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Max XXXX for a XXXXX is XXXXXX XXXXX reflected XXX month average income of XXXXXXXXXXXXXX XXXXXX debts were XXXXXXXXXXXXXX XXXX of XXXXXXXX exceeds maximum XXXX of XXXXX | Base income XXX = XXXXXXXXXXXXX XXXXXXX work sheet provided. |  | Client 04/23/2025 01:00 PM; see attached income calc from XXX supporting income used <br>Reviewer 04/23/2025 02:05 PM; <br>| 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | 7137637 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Minimum reserves of XX months were required. XXXXXXXXX provided XXXXXX months reserves. | Final XXX XXXX was XXXXXXXXXXXXXX captured = XXXXXX months reserves. |  | Client 04/23/2025 08:06 AM; Per XXXXXX XXXX XXXXXXXXXXXXXX - XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX reserves. XXXXXXXX XXX was sourced. <br>Reviewer 04/23/2025 11:20 AM; <br>Client 04/23/2025 01:00 PM; Final XXX dated XXXXXXXXX was provided that supports the XXXXXXXXXXXXXX XXXX <br>Reviewer 04/23/2025 02:05 PM; <br>| 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | 7137638 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for no housing history/living rent free with anyone other than spouse. |  | Compensating XXXXXXXXX XXXXX XXXXXXXXX XXX months job time with over XX years in profession. |  |  |  | 04/21/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | 7137691 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Exception approval is required for term of a leasehold estate running less than XX years beyond the maturity date of the mortgage. XXXX title report has the property as a leasehold. XXXX lease in the file matures XXXXXXXXXXX (inception date XXXXXXXXXXXXX XXXX maturity date of the subject mortgage is XXXXXXXXXXX which less than XX years (actual is XX years) from the leasehold maturity | Lease term is XXX years. XXXX XXXXXXXXXX XXXXX XXXXX XXX year term = XXXXX we have XX years over the term of the loan |  | Reviewer 04/23/2025 10:47 AM; No document received to clear <br>Client 04/24/2025 11:19 AM; Please see email from XXXXXXXX XXXXX regarding the lease hold term. XXXXXX you. <br>Reviewer 04/24/2025 03:19 PM; <br>| 04/24/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 1 | 3 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | 7137469 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 1 | 3 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | 7137470 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Missing XXXXXXXX XXXXX XXXXXX XXX is provided. | Information provided |  | Reviewer 04/22/2025 05:00 PM; Received XXXXXX XXXXXX need evidence it was received at least XX days prior to closing<br>| 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 1 | 3 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | 7137474 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | 7137475 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing XXXXXXXX XXXX the one provided is dated XXXXXXX | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | 7137476 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Missing XXXXXXXXXXX XXXXXXXXX XXXX | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | 7137477 | 840 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  | Missing XXXXX XXXXXXXXXXXXXX need date rate was locked. | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | 7137662 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing business XXXX statement analysis worksheet confirming monthly income of XXXXXXXXXXXXX | XXXX statement work sheet provided |  | Reviewer 04/23/2025 11:55 AM; Document received did not include the business XXXX statement income worksheet confirming monthly income of XXXXXXXXXXXXX<br>| 04/29/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | 7137640 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing business XXXX statement analysis worksheet confirming monthly income of XXXXXXXXXXXX | Received XXXX statement income analysis worksheet. |  |  | 04/22/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | 7137745 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide XXXX statement analysis worksheet for all accounts utilized for income. | XXXX statement income work sheet provided. |  | Client 04/23/2025 01:23 PM; Cut off side is pg XXX<br>Reviewer 04/23/2025 03:07 PM; <br>| 04/23/2025 |  |  | A | 1 | XXXXXXXXXX | SC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | 7137749 | 374 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Provide evidence of legal residency for co-borrower. XXXXXXXXXXXX reflected borrower is a XXX citizen, however, a passport from another country was provided for identification. | Received revised XXXXX reflecting XXX as non permanent resident |  |  | 05/14/2025 |  |  | A | 1 | XXXXXXXXXX | SC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | 7138355 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/06/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | 7138356 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Initial XXX missing the XXX provided is dated XXXXXX | Information provided |  |  | 05/06/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | 7138357 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Missing XXXXXXXX XXX only the XXXXXX XXX is provided. | Information provided |  |  | 05/06/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | 7138358 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Settlement XXXXXXXXX XXXXX is missing. | Information provided |  | Reviewer 05/06/2025 03:15 PM; Demographic XXXXX provided. XXXXXX need XXXX<br>| 05/08/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | 7139343 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Provide fraud report with all high and medium alerts cleared. | XXX report provided XXXXXXX addressed. |  | Client 05/08/2025 03:55 PM; Please find uploaded final clear fraud guard for your review. XXXXXX you so much. <br>Reviewer 05/08/2025 04:50 PM; <br>| 05/08/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | 7139561 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide letter of explanation for prior XXXXXXXX sale listing within the past XX months for the subject property. | Documents received reflect the property was off the market at time of application and guidelines do not require an explanation. |  |  | 05/16/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 3 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | 7139562 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide XXXX statement analysis worksheet for all accounts utilized in the XXXX statement income calculations. | Received XXXXX statement income analysis |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 3 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | 7139578 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Complete fraud report missing from file. | Fraud report received with alerts cleared |  | Client 05/13/2025 12:43 PM; Please find uploaded for your review clear fraud guard. XXXXXX you. <br>Reviewer 05/14/2025 06:00 AM; <br>| 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | 7139579 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Copy of note for subject with XXXXXX XXXXXXXXX missing from file. XXXXX verify maturity date. XXX loan matured prior to this transaction, loan would be considered in default. | Mortgage statements provided |  | Client 05/14/2025 12:22 PM; Please find the uploaded statements confirming mtg pd current thru XXXXXXXXX XXXXXX you. <br>Reviewer 05/14/2025 01:40 PM; <br>| 05/14/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | 7139329 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Please provide updated XXXXX that reflect one borrower. |  |  | Client 05/13/2025 12:41 PM; Please find uploaded XXXXX with one XXXXXXXXXXX XXXXXX you. <br>Reviewer 05/13/2025 06:48 PM; <br>Reviewer 05/14/2025 03:04 PM; Documents have been reviewed. <br>XXXXXX<br>| 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | 7139582 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rental verification from private party requires a copy of the lease and XXX months cancelled checks or XXXX statements. XXXXXXXXXX XXXXXXXXX in file. XXXX file includes a written XXXX and a credit supplement for rental history. |  | Compensating factors: XXXX XXXXX well below max of XXXXX XXXXXXXXX has been self employed in the same business for more than XX years. XXXXXXXXX income is > XXXXXXXX |  |  |  | 05/10/2025 | B | 2 | XXXXXXXXXX | PA | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | 7139583 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX statement analysis missing from file. | Received XXXXX statement income analysis |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | 7139584 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | ITIN validation missing from file. XXXX letter does not verify most recent tax returns filed, XXXXX letter is > XX years. | CPA XXXXXXX states XXXXX returns filed |  |  | 05/23/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | 7138835 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/16/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | 7138836 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the increase in the XXXXXXX on the final XXXXX XXXXXX is a XXXX showing date of change as XXXXX but there is not a XXX issued within XX days of that change. XXXX final XXX was issued on XXXXXXX XXXXXXXXXX amount is XXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided |  | Reviewer 05/13/2025 03:13 PM; Received the XXXXX XXXX however proof of receipt has not been provided. XXXXXXXX proof as to when the borrower received the XXXXX XXXX refund is required<br>Client 05/15/2025 03:59 PM; Please see attached chain of email between myself, XXX and XXXXXXXXX confirming receipt. XX also verbally spoke with XXX and asked that the date and method of delivery be confirmed<br>Reviewer 05/15/2025 05:14 PM; <br>Reviewer 05/16/2025 11:28 AM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 05/16/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139608 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require XXXXXXXXX to have XXX own funds when gift funds received. XXXXXXXXXX approved for XXXXX gift funds for down payment and closing costs resulting in XXXXXXXX XXXXXXXXX funds. |  | Compensating factors: XXXXX XXX points of minimum requirement. XX months reserve, XXXXXXXXX income > XXXXXXXX XXXX > XXXX below max allowed. |  |  |  | 05/11/2025 | B | 2 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139609 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXXXXXXXX XXXXXXXXX missing from file. | Received XXXXX statement income analysis |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139610 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Complete XXXXXX XXXXXXX missing from file. | Received XXXXXX report with alerts cleared |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139611 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX for XXX reflects XXXXXXX XXXXXXXXX however, XXX is an XXXXX XXXXXXXXX XXXXXXXXX XXXXXX XXXXXXX letter and XXXXXXXXX in file) | received revised XXXX |  |  | 05/21/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139612 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Gift letter in file reflects gift of XXXXXXXXXX however, gift per XXX is XXXXXXXXXXXX | Revised XXXX XXXXXX provided |  |  | 05/23/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7139632 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXXXXX XXXX statement for XXXXXXX used to qualify and XXXX statement income calculation worksheet are missing from the loan file. XXXX credit review is on hold until documents are received. | documents provided |  |  | 05/12/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | 7140493 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | B of XX XXXXXXX XXXXXXXX XXXXX XXXX statement is missing. XXXX XXXX XXXXX XXXX statement in file is for account XXXXXXXXX XXXXX is a business account; however, different loan number with no activity for the month. | Received XXXX statement XXXXXXX |  | Reviewer 05/12/2025 01:33 PM; Document received is dated XXXXXXXX XXXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX XXXXX statement<br>| 05/21/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | 7140584 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Guidelines require a XXX month housing history. XXXXX XX months of history were provided. | Per XXXXXXXXXXXX comments XXXXXXXXXX XXXXXXXX requirement for XXXX since loan is a rate/term refi of a primary. |  | Client 05/15/2025 07:30 AM; UW management waived rental history on page XX<br>Reviewer 05/15/2025 09:31 AM; <br>| 05/15/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | 7140526 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide verification of residency as borrower was approved using the XXXXXX program | IRS XXXXX XXXXXXX provided |  | Reviewer 05/13/2025 07:28 PM; Documents received did not include proof of legal residency<br>| 05/14/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | 7139621 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Borrower currently living rent free with a family member. XXXX guideline, borrowers living rent free with anyone other than a spouse are not eligible. |  | Approved XXXXXXXXXX XXXXXXXX for XXXXXXXXX living rent free with a cousin since XXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXX and XXX XXXXXX months reserves from borrower''''s own funds. |  |  |  | 05/11/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | 7139622 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The loan was closed under the XXXXX XXXXXXXXXX program with a XXXXX XXXXXXXXXX XXXXXXXXXXXXX of XXXXXXXXXXXXX listed as the document type; however, the XXXXX is missing from the loan file. | Received the XXXX |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | 7139586 | 1013 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet for the XXXX statement analysis of the borrowers business XXXXXX XXXXX XXXXXXXXX XXXXX | Received XXXXX XXXXXXXXXX income analysis |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | 7139569 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/15/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | 7139570 | 895 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need proof borrower received XXXXXXXX XXX XX days prior to consummation. | Information provided |  |  | 05/15/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | 7140689 | 1014 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide XXXX statement worksheet. | Income calculated work sheet provided |  | Client 05/19/2025 01:53 PM; Income calc worksheet uploaded for your review. XXXXXX you. <br>Reviewer 05/19/2025 03:30 PM; <br>| 05/19/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | 7140883 | 107 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing riders. |  | The XXXXXXXXXX reflected the property was a XXXXX however, the XXXXX of XXXXXXXXXXXXXXX did not reflect a XXXX XXXXXX was required. XXXXXXXXXXXXX the XXXX XXXXXX was not attached. XXXXXXX provide updated XXXXX of XXXXXXXXXXXXXXX and a XXXXXXX of XXXXXXX to XXXXXXXXXXX | Information provided |  | Reviewer 06/03/2025 09:18 AM; No documentation provided<br>| 06/23/2025 |  |  | A | 1 | XXXXXXXXXX | ID | 1 | 1 | D | A | C | A | D | A | A | A |  | Exempt | 1 |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | 7141369 | 1068 | XXXXXXXXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | Provided copy of fraud report, all pages. | XXX XXXXXXX provided |  |  | 05/27/2025 |  |  | A | 1 | XXXXXXXXXX | ID | 1 | 1 | D | A | C | A | D | A | A | A |  | Exempt | 1 |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | 7141370 | 771 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days |  | Provide signed letter regarding the following inquiries reflected on XXXXX XXXXXXXX and XXXXXXXXX | Received XXX |  |  | 06/02/2025 |  |  | A | 1 | XXXXXXXXXX | ID | 1 | 1 | D | A | C | A | D | A | A | A |  | Exempt | 1 |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | 7141614 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | The borrower marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. | Information provided |  | Reviewer 05/28/2025 04:42 PM; documentation for XXXXX is needed<br>Reviewer 06/02/2025 12:20 PM; NO documentation provided<br>| 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | 7141723 | 345 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Occupancy Discrepancy/Misrep |  | Provide XXXXXX XXXXXX | Received XXXXXXXXXXX XXX |  |  | 05/28/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | 7141724 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for borrower renting from a private party, request leases for each address to cover the most recent XXXXXXXXX period, along with verification of timely payments made (either cancelled checks front and back or XXXX statements showing account ownership and payments debited by landlord) are required. XXXXXXXXX is renting at XXXXXXXXXX and has provided XXX months payment proof via canceled check. XXXXXXXXX made a cash payment for XXXXXXXXXX XXXXX rent. XXX we cannot source XXXXX XXXXX rent payment proof. |  | Compensating factors: XXXXXXXXX has reserves of at least XXX months; XX months > min XXXX XXX late payments on credit report in > XX years (or ever). XXXXX missing one month out of XXX in the year-XXXX history. |  |  |  | 05/27/2025 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | 7141808 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Provide verbal verification of employement for XXXXXXXXX dated within XXX days of XXXXX date | VVOE provided |  | Client 06/09/2025 05:53 PM; Please find uploaded XXXXXXX XXXXXX you. <br>Reviewer 06/10/2025 07:49 AM; <br>| 06/10/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | 7141809 | 445 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide documentation verifying existence of XXXXXXXXXX business dated within XXX days of XXXXX date | Internet search provided |  | Client 06/09/2025 06:12 PM; Please find uploaded proof of existence of XXXXXXXXXX business prior to closing. XXXXXX you. <br>Reviewer 06/10/2025 07:49 AM; <br>| 06/10/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | 7141810 | 1013 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Provide XXXXXXX income worksheet to support income of XXXXXXXXXXXXXXXX | XXXX statement income work sheet provided |  | Client 06/09/2025 05:47 PM; Please find income calc worksheet uploaded. XXXXXX you. <br>Reviewer 06/10/2025 07:49 AM; <br>| 06/10/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | 7141638 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | the borrower marked citizenship as non-permanent resident alien. XXXXXXX provide source to verify information. | Information provided |  | Reviewer 06/03/2025 12:27 PM; escalated for review<br>| 06/03/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | 7142076 | 1068 | XXXXXXXXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | A fraud report which includes all parties to the transaction is required on all loans. | Clear XXXXXXXXXX report provided. |  | Client 06/10/2025 10:09 AM; Please find final fraud guard with all alerts cleared. XXXXXXX so much!<br>Client 06/10/2025 10:14 AM; Please find uploaded initial and final fraud guards. XXXXXXX so much. <br>Reviewer 06/10/2025 11:41 AM; <br>Reviewer 06/10/2025 11:41 AM; <br>| 06/10/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641136 | XXXXXXXXX | XXXXXXX | 7141935 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide XXXXX XXXXX report with a score of XXXXX or below. XXX the score exceeds XXXXX a secondary collateral evaluation will be required | Received desk review |  |  | 05/29/2025 |  |  | A | 1 | XXXXXXXXXX | IN | 3 | 13 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | 7143812 | 418 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Exception XXXX XXXXXXXXXXXXXXX XXXX units out of XXXX units are investor-owned units. XXXXXXXX causing XXXXXXXX investor owned. XXXXX is considered ineligible. |  | DTI is XXXX or more under ax allowed. XXXXX XXXXXX XXXXXXXXX XXXXXXX > XXXXXXXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXX and <= XXXXXXX |  |  |  | 06/13/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | 7143824 | 1024 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | Wire pg XXXX for XXXXXXXXX gift funds not reflected on final XXXXX XXXXX pg XXXX for XXXXXXXXXXXXXX gift funds not reflected on final XXXXX XXXXX letters in file to receive funds from XXXXXX at closing. | Borrower did not receive the gift for XXXXXXXXXXXX XXXXXXXXX has sufficient funds in XXXX XXXXXXX XXXXXXXXXXXXX and XXXX XXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXXX |  | Client 06/17/2025 09:32 AM; Bwr did not receive the gift for XXXXXXXXXXXX XXXX has sufficient funds in XXXX XXXXXXX XXXXXXXXXXXXX and XXXX XXXXXXX XXXXXXXXXXXXXXXX <br>Reviewer 06/17/2025 10:56 AM; <br>| 06/17/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | 7143027 | 879 | XXXXXXXXXX | Credit | Application |  | Application - Other: |  | The borrower marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. | Information provided |  |  | 06/09/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | 7143265 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Updated loan approval reflecting correct rate of XXXXXXXX missing from file. XXXX loan approval in file reflects a rate of XXXXXXXXX XXXXXXXXX the loan closed at XXXXXXXXXX | Received updated approval with correct interest rate |  |  | 06/09/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | 7143373 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide XXXX statement income work sheet supporting XXXXXXXXXXXXXXXX | XXXX statement income worksheet provided |  | Client 06/11/2025 03:22 PM; Please see income calc worksheet. XXXXX comments under section XXX from underwriter how income calc was derived. XXXXXX you. <br>Reviewer 06/11/2025 04:11 PM; <br>| 06/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | 7143061 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 06/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | 7143062 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | XXX is missing, only the XXX is provided. | Information provided |  |  | 06/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | 7143063 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Settlement XXXXXXXXX XXXXX isn''''t provided. | Information provided |  |  | 06/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | 7143891 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Borrower is short XX months reserve. XXXXXXXXX reserves XXXXXXXXXXXXX verified reserves XXXXXXXXXXXX = short XXXXXXXXXXXX |  | Received exception approval for reserves/ XXXXX XXXXXXXX - XXXXXXX XXXXX XXXXXX XXXXX XXXXXXXXX / XXXXXXXXXX XXXXXXXX |  |  |  | 06/18/2025 | B | 2 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | 7143772 | 879 | XXXXXXXXXX | Compliance | Application |  | Application - Other: |  | The borrower and co-borrower both marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXX . XXXXXXX provide source to verify information. | Information provided |  |  | 06/16/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | 7143645 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing documentation which confirms the borrower''''s stastus as a XXXXXXXXXXXXXX XXXXXXXXX XXXXX | Approved to accept the XXXX |  | Reviewer 06/13/2025 01:49 PM; CATSX letter does not validate the borrower''''s XXXX status<br>Reviewer 06/16/2025 01:54 PM; Provide the XXXX for non-permanent resident XXXXX<br>Reviewer 06/17/2025 12:32 PM; Document received did not validate the borrower''''s XXXX status.<br>| 06/17/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | 7143687 | 1024 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | Provide copy of gift check for XXXXXXXXX from XXXXXX XXXXXXX along with XXXX XXXX statement XXXXXXXXXXXX all pages and in XXXXXXXX | Received donor''''s XXXX statement showing withdrawal |  |  | 06/15/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | 7143688 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Per XXXXXXX guides for XXXXX XXXXXXXXXXXX XXXXXX XXXXX XXXXX time homebuyers, a XXX month rental history is required to be verified. XXXX XXXXX XXXXXXXXX has been living rent free with non-borrowing spouse. |  | Received exception approval for borrower living rent free/ XXXXXXXXXXXXX XXXXXXXX - XX months reserves |  |  |  | 07/15/2025 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | 7143689 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per XXXXXXX guides for XXXXX XXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXXXXXXX are not permitted to live in subject property. XX lease for the subject property has been provided between the XXXXXXXXX and XXXXXXX XXXXXXXXXX who is the XXXXXXXXXX XXXXXXXX XXXXXXXXXXXXXX per fraud report, XXXXXXX owns his current home located at XXXX XXXXXXXXX XXX XXXXXX XXXXXXX XXXXX XXXXXXXXXXXXX income of XXXXXXX used to qualify. |  | Received exception approval for uncle living in subject property/ XXXXXXXXXXXXX XXXXXXXX - XX months reserves |  |  |  | 07/15/2025 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | 7145960 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | The XXXXXX XXXXXXXXXXXXXXX XXXXXXXXXX is missing from file. | Information provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | 7146345 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception request granted for one of the three units being under the minimum required of XXXXXXXX XXXXX XXXX is XXXX sq. ft. XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXX has a full kitchen and separate bedroom, over XX months additional reserves than required with a loan amount under XXXX million, reserves XXXXXXXXXXXXXX XXXXXXXXXX months), XXXXX of XXXXXXXX |  | Compensating XXXXXXXXX XXXXX XXXX has a full kitchen and separate bedroom, over XX months additional reserves than required with a loan amount under XXXX million, reserves XXXXXXXXXXXXXX XXXXXXXXXX months), XXXXX of XXXXXXX |  |  |  | 07/06/2025 | B | 2 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | 7145876 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXX showing subject property as a primary residence | Revised XXXX provided |  | Client 07/01/2025 03:08 PM; Updated ldl has been uploaded.<br>Reviewer 07/01/2025 04:08 PM; <br>| 07/01/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | 7147018 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Record of XXXXXXXXXX pg''''s XXXXX XXXXX XXXXX and XXXX show taxes files as married filed jointly but not jointly between brw XX and brw XXXX XXXXXXX pulled together on same report. XXXXXXXXXXXX deed pg XXXX taking title as tenants in common. XXX XXXX in file explaining relationship between XXXXX and XXXXXXX | Received XXX |  |  | 07/15/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | 7146984 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Evidence of unexpired XXXXX missing from file. XXXX of the following is required - XXXX letter dated less than XX years ago XXXXXXX letter is dated XXXXXXXXXXXX XXXXXX executed XXXX including XXXXXXXXXXX signature or letter from tax preparer confirming they have files the borrower''''s most recent tax return with the XXXXXX | LOE from tax professional provided |  |  | 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | 7147035 | 65 | XXXXXXXXXX | Compliance | Right to Cancel |  | Right to Cancel - is missing. |  | The XXXXXX to XXXXXXX was not found in the file. XXXXXXXX completed and signed copy. | Documents received |  |  | 07/15/2025 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | 7147205 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from file. | XXXX XXXXXXXXXX income work sheet provided |  | Client 08/19/2025 01:39 PM; Please find income calc sheet attached. <br>Reviewer 08/19/2025 02:17 PM; <br>| 08/19/2025 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | 7147206 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UDM/Credit XXXXXXXX within XXX days of the note required. XXXXX date XXXXXXXXXXX XXXX in file dated XXXXXXXXXXX | UDN dated XXXXXXXXXX provided |  | Client 08/19/2025 01:43 PM; Good afternoon XXXXXXXXX XXXXXXX find the XXXXX which is not dated within XXXXXXX of the XXXXXXX XXXXXXX note we will accept the XXXX grade due to the this. XXXXXX you. <br>Client 08/19/2025 01:45 PM; My apologies XXXXXXX XXXXXXX find XXXX dated within XXXXXXX of XXXXXXX XXXXXX you. <br>Reviewer 08/19/2025 02:17 PM; <br>Reviewer 08/19/2025 02:17 PM; <br>| 08/19/2025 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | 7146755 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing complete |  |  | 07/15/2025 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | 7146756 | 973 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Provide XXX dated within XX days of XXXX dated XXXXXXX XXXX indicates there is a another disclosure issued XXXXXXXXXXXX | Documents received |  |  | 07/15/2025 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | 7147339 | 1013 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet to document the XXXX statement analysis. | Received bank statement income worksheet |  |  | 07/27/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | 7147080 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | The borrower marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. |  |  | Client 07/28/2025 03:40 PM; Please find XXXXX letter for your review. XXXXXX you. <br>Reviewer 07/28/2025 04:36 PM; <br>Client 07/28/2025 05:42 PM; Please find XXXXX letter for your review. XXXXXX you!<br>Reviewer 07/28/2025 07:05 PM; <br>Client 07/29/2025 09:14 AM; Please find XXXXX letter. XXXXXX you. <br>Client 07/29/2025 09:24 AM; Please find XXXX letter confirming XXXXXXXXXX XXXXX number. XXXXXX you! <br>Reviewer 07/29/2025 09:29 AM; <br>Reviewer 07/29/2025 09:29 AM; <br>Reviewer 07/29/2025 10:04 AM; Hello, <br> XXXXXXXXXXX has been cleared. <br> XXXXXX<br>Reviewer 07/29/2025 10:04 AM; Hello, <br> XXXXXXXXXXX has been cleared. <br> XXXXXX<br>Reviewer 07/29/2025 10:05 AM; Hello, <br> XXXXXXXXXXX has been cleared<br>Reviewer 07/29/2025 10:05 AM; Hello, <br> XXXXXXXXXXX has been cleared <br> XXXXXX<br>| 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1669036 | XXXXXXXX | XXXXXXXX | 7147960 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing approval for loan. XXXXXX XXXXX received, loan may have additional deficiencies. | Received loan approval |  |  | 07/17/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | 7148095 | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Max XXXX is XXXXXX XXXXXXXX data of XXXXXXXXX XXXX is verified per the XXX income calculation. XXXXXX debt XXXXXXXXXXXX / XXXXXX qualifying XXXXXXX XXXXXXXXXXXXX based on XXXX statement income calculation. | Income calculations work sheet for both accounts provided supports XXXXXXXX XXXXX |  |  | 07/22/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 3 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | 7148096 | 1014 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A XXXX statement income analysis was not provided. | Income calculations work sheet for both accounts provided. |  | Client 07/21/2025 11:40 PM; Income XXXXXXXXXXXXX sheets have been uploaded, please review <br>Reviewer 07/22/2025 06:53 AM; Condition has been reviewed. XXX<br>| 07/22/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 3 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | 7148200 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for proof of initial application date. | Information provided |  | Client 07/25/2025 06:22 AM; We do not sign any initial XXXXX or initial disclosures from borrower in business-purpose loans.<br>Reviewer 07/25/2025 11:11 AM; <br>Reviewer 07/25/2025 02:38 PM; This has been cleared. <br>XXXXXX<br>| 07/25/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | 7148338 | 378 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXXX XXXXX was not provided. XXXXXXXX final signed loan application. | Received signed and dated XXXX |  | Reviewer 07/25/2025 09:31 AM; The document provided is not signed or dated.<br>| 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | 7148745 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. XXXX fraud report provided does not reflect all alerts as cleared. | XXX report provided |  | Client 07/30/2025 12:23 PM; Please find cleared final fraud guard. XXXXXX you. <br>Reviewer 07/30/2025 02:13 PM; <br>| 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | 7148746 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a loan approval that matches the XXXXX XXXX XXXX program as reflected on the XXXXXX | P |  | Client 07/30/2025 12:34 PM; Please find updated approval. XXXXXXX so much. <br>Reviewer 07/30/2025 02:13 PM; <br>| 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | 7148062 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | 7148063 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for increase in XXXXXXXXX XXXXXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  | Reviewer 07/24/2025 12:28 PM; Rate lock will not clear def. XXXXXXX increased to XXXXXXX on XXXX and then decreased to XXXXXXX on XXXXXXX XXXXXXX is still required<br>| 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | 7148359 | 378 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Final loan application does not list a complete two year housing history for the borrower. XXXXXXXX updated loan application to include the two year housing history. | Revised XXXXX provided |  | Client 08/20/2025 09:30 AM; Please find XXXXX reflecting XXXXXX yrs of residency history. XXXXXX you. <br>Reviewer 08/20/2025 11:53 AM; <br>| 08/20/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | 7148360 | 998 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Loan amount on title commitment of XXXXXXXXXX does not match the note loan amount of XXXXXXXXXXXXXXXX | Revise XXXXXX XXXXXXXXXXX provided |  | Client 08/28/2025 04:56 PM; Please find title updated to reflect XXXXXXXXX XXXXXXX so much. <br>Reviewer 08/28/2025 05:13 PM; <br>| 08/28/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | 7148362 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | The loan file contained one XXXXXX month of account statements for the following assets XXXXXXXX XXXX - XXXXX and XXXXXXXX XXXX - XXXXXXX XXXXXXXXXXX for XXXXX XXXX XXXX program requires two XXXXXX months of account statements. | May XXXXX XXXXXXXX XXXX statement provided |  | Client 08/28/2025 04:55 PM; Please find missing XXXX XXXX bk statement. XXXXXX you.<br>Reviewer 08/28/2025 05:13 PM; <br>| 08/28/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | 7148940 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing XXXX for the borrowers completed within XXX business days of the note, as required by the guidelines. XXXXXXXXXX on pages XXXX | Received XXX day XXXXXXXXX |  |  | 08/13/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | 7149095 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing documentation verifying a housing history for the most recent XXX months as required per guidelines. XXX has provided a XXXX for XXX months of acceptable payments from the landlord plus payments from a secondary place of rent. XXX has an acceptable XXXX for XXX months from the landlord with no evidence of payments. |  | Compensating XXXXXXXXX XXXXX XXXXXX of XXXX where the guideline minimum is XXXX and XXXXXXXXX income of XXXXXXXX greater than XXXXXXXXX |  |  |  | 07/24/2025 | B | 2 | XXXXXXXXXX | NJ | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | 7149145 | 998 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Loan XXXXXXX on XXXXXX XXXXXXX XXXXXXXXXXXXXX XXXXX XXXX XXXXXX XXXXXXXXX XXXXX XXXXXXX XXXXXXXXXXXXXXX | Received revised title |  |  | 08/05/2025 |  |  | A | 1 | XXXXXXXXXX | MN | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | 7148335 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | The borrower marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. | Information provided |  |  | 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | MN | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | 7148336 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | The borrowers XXXXXX XXXXXX XXXXX and XXXXXXX XXXXXXX XXXXXXXXXXXX marked citizenship as XXXXXXXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. | Information provided |  |  | 08/06/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | 7148337 | 879 | XXXXXXXXXX | Compliance | Application |  | Application - Other: |  | The declaration page for XXXXXX XXXXXXXXX XXXXXX XXXXX on the XXXXXX XXXXXXXXXXXX is not completed. | Information provided |  |  | 08/04/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | 7148772 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXXXXXXXX due to the addition of transfer taxes on the XXXXX XXXXX XXXX XXXXXX contract was signed on XXXX and indicates the buyer and seller will split the transfer taxes equally. XXXXX application was taken on XXXXXXX XXXX transfer taxes should have been disclosed at that time. XXXXXX was cured at closing leavaing a balance of XXXXXXXXXX to still be cured. XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing | Information provided |  | Reviewer 07/28/2025 10:13 AM; LE and XXXX have already been provided and will not clear def. XXXXXXX is required.<br>Client 07/29/2025 11:27 PM; we didn't have the purchase contract until after initial disclosures were sent out. XXXXXXX see the timestamps attached with the conditions <br> XXXX purchase contract was uploaded after the initial disclosures were sent, and once we were able to view it, we issued a XXXXXXX of XXXXXXXXXXXXXX<br>Reviewer 07/30/2025 04:09 AM; <br>Reviewer 07/30/2025 04:22 PM; Hello, <br> XXXXXXXXXXX has been cleared. <br> XXXXXX<br>| 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | 7148800 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | 7149157 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. | Information provided |  |  | 07/31/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | 7149158 | 879 | XXXXXXXXXX | Compliance | Application |  | Application - Other: |  | The borrower marked citizenship as XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX provide source to verify information. | ITIN verification provided to confirm residency. |  |  | 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7148941 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Funding is in the future XXXXXXXXXXXXXXX please provide proof of funding. | Information provided |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | 7149694 | 397 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Inquiries not properly addressed |  | Missing an inquiry letter to address the following inquiries shown on credit report XXXXXXXXXX XXXXXXX XXXX --- XXXXXXXXXXX and XXXXX XXXXXXXX --- XXXXXXXXXXXXX XXXXX the inquiries from XXXXXXXXXXX were addressed. | Updated inquiry XXXX from XXXXXXXXX provided. |  | Client 08/08/2025 05:54 PM; Please see updated inquiry loe from XXXXXXXXXXX XXXXXXX so much. <br>Reviewer 08/11/2025 04:30 AM; <br>| 08/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 3 | B | A | B | A | A | A | A | A |  | Exempt | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | 7149764 | 1014 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Missing the business XXXX statement analysis income calculation worksheet for the borrower, XXXXXXXX XXXXXXX XXXXXXXX | XXXX statement calculation work sheet provided |  | Client 08/21/2025 12:20 PM; Please see income calc for your review. XXXXXXX so much. <br>Reviewer 08/21/2025 01:33 PM; <br>| 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | 7149765 | 374 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Loan application list the co-borrower XXXX XXXXXX XXXXXX as a XXX XXXXXXXXX however XXXXXXXXXXX XXXXXXXXXXXXXX XXXXX was provided in file. XXXXX application to be updated to reflect the correct residency/citizenship status for the co-borrower. | Revised XXXXX showing XXXX for co-borrower provided |  | Client 08/21/2025 12:34 PM; Please see updated XXXXX with regards to XXXXXXXXX citizenship. XXXXXX you. <br>Reviewer 08/21/2025 01:34 PM; <br>| 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | 7149766 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | For XXX XXXXX - XXXXX we received XX months of account statements. XXXXX XXXXXXXX requires XX months of statements. | XXX/XXX statement provided |  | Client 08/21/2025 12:19 PM; Please find XXX XXX statement to complete a full two mths. XXXXXX you. <br>Reviewer 08/21/2025 01:33 PM; <br>| 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | 7149767 | 318 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | Missing letter of explanation for XXXX deposits into the borrower''''s XXXX account exceeding XXXXXXXXXXXX XXXXXX of the qualifying income) as required. XXXX guidelines, large and unusual deposits must be sourced and if they cannot be sourced, they will be excluded. | Sufficient assets with XXXXXX XXXXXXXX backed out |  |  | 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | 7149768 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Housing XXXXXXXX inadequately documented. XXXX borrowers were renting from a private party and rent is paid in cash as per landlord demand. |  | A copy of the lease agreement and XXXXXXXX XXXXXX XXXX are in file. XXXXXXXXXXXXX XXXXXXXXX XXXXXX XXXXXX XXXXXXXXX XXXXXXX of XXXXXXXX is greater than XXXXXXXX XXXXXX XXXX of XXXXXXXX is more than XXX percentage points less than the maximum allowable of XXXX and XXXXXX XXXXXXXXXXXXXX qualifying credit score of XXXX is at least XXX points > min XXXXXX |  |  |  | 07/31/2025 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A |  | Exempt | 1 |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | 7151704 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | The reserve requirement is XX months on a cash out XXXXX XXXXX XXXXXXXXXXX with XX months being the borrowers own funds outside of cash out. XXXX loan is missing verification of the borrowers own XX months reserves. |  | Exception approval received for no reserves other than cash out/ XXXX XXXXX XXXXXX / XXX credit lates in the past XXX months / XXX XXXX // XXXXXXXXX owned free and clear all cash out |  |  |  | 08/26/2025 | B | 2 | XXXXXXXXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | 7154466 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing the most recent lease agreement covering the most recent XXX months, along with verification of timely payments made documented with canceled checks (front and back) or corresponding XXXX statements. XXXX borrower is renting from a relative (private party). |  | Exception approval received for private party XXXX and no evidence of rental payments. XXXXXXXXXXXXX XXXXXXXX - XXXXX XXX points over minimum matrix tier, XXXX is XXXX or more under max allowed. | Reviewer 08/26/2025 12:08 PM; Documents provided did not include XXX month history of rent payment with copies of cancelled checks or XXXX statements reflecting rent payments of XXXXXXXX per month<br>|  |  | 08/27/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) | ![](ex99-7sch3_001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1669036 | XXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | US Citizen |  | No |  |
| 1641136 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630344 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1632843 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Foreign National | ITIN IRS Letter |  |  | No |  |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Unemployed | Foreign National | ITIN IRS Letter | Foreign National |  | No |  |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | Other | No |  |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Unemployed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Not Required | Non Permanent Resident Alien | Other | US Citizen |  | No |  |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Foreign National |  |  |  | No |  |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | US Citizen |  | No |  |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Employed | Foreign National | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | Other | No |  |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed |  | Foreign National | ITIN IRS Letter |  |  | No |  |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Employed | Foreign National |  | Foreign National |  | No |  |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Self-Employed | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | US Citizen |  | No |  |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 |  | 8.22% | Self-Employed |  | US Citizen |  |  |  | Yes | $5503.23 |
| 1669443 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1669036 | XXXXXXXX | XXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641136 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1630344 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1632843 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1669443 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

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| ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) | ![](ex99-7sch5_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** | **Run Date - 10/27/2025 3:06:19 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** |  |  |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1669036 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641136 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1630645 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628554 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628297 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631499 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX | XXXX | 2.45% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628558 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628471 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630344 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628559 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631813 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1628560 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630643 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639496 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634062 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633567 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632843 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634268 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | xxx | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1641692 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1633133 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633328 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639422 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634262 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634263 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638766 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1634203 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638767 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634265 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634104 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638768 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1634267 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638828 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1639716 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639497 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1639571 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1639389 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639498 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1639390 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1639703 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.41% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| 1639704 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1639082 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1640984 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX | XXXXX | 5.22% | XXXXXXXX | 1025 |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638775 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1639584 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1639710 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1640464 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639590 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1640991 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1639712 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1639715 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1641418 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1668776 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1641697 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641072 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641935 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669137 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672110 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1641718 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1641944 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -3.90% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669140 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1643791 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| 1669486 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX | XXXX | 1.64% | XXXXXXXX | 1004 |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1670947 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1643362 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669262 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.88% | xxx | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669926 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670279 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668771 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1669489 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1643803 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1669836 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1669841 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1669933 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1669845 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670297 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643594 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669443 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | xxx | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670120 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-NQM5, LLC**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 10 loans acquired by PRP VI AIV Holdings, LLC (the "Client"). The review was performed from September 2024 through October 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 10 loan for an aggregate original principal balance of $5,589,228.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp; Third-Party Due-Diligence and Representations & Warranties Criteria for<br> U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |

---

Page **1** of **18**

![](ex99-8_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **18**

![](ex99-8_001.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such as pay
stubs, tax transcripts, and bank statements, was provided and used to accurately qualify the borrower according to guidelines. Recalculate
the borrower's income and debt to determine the appropriate debt to income ratio in accordance with the guidelines. Validate borrower's
employment history and confirm that the appropriate income and assets were used to qualify. Make a reasonable assessment of whether there
are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation in the
file and the information used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application or other loan applications found
in the file to validate the application was signed and properly completed and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s) and verification of mortgage or rental history,
when required, have been provided for all borrowers/guarantors, are consistent with loan approval, and meet guideline requirements. Verify
whether any fraud alerts are listed on the credit reports and make a reasonable assessment of whether the borrower's profile adheres
to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from source
documentation provided in the loan file, for the purposes of identifying misrepresentations contained in the loan file, including with
respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may have existed
upon origination; verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage as
required by guidelines; confirm property insurance policy contains appropriate mortgagee clause. For subject properties located in a Special
Flood Hazard Area where flood insurance is required, verify and validate the file contains sufficient flood insurance coverage as required
by guidelines and that flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose Affidavit and Occupancy Affidavit, if applicable,
were executed by the borrowers/guarantors and confirm that document addresses are consistent with subject property address and do not
match the primary residence address.

Page **3** of **18**

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present in
the 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;2. Non-Owner Occupancy – verify Occupancy certification is present in the 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;3. Validate that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the loan file
and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's mortgage/rental payment history using credit reports or other information
supplied 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;6. Verify that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers' asset utilization and verify sufficient liquid assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed by a licensed appraiser and
in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report to ensure report value is "as is" or, if report is "subject
to", that there is an associated completion report resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a variance greater than 10% below the
appraisal value, Client will be notified and an additional independent valuation product will be obtained as requested.

Page **4** of **18**

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Truth In Lending Act - 12 CFR §1026 ("TILA")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage rate (APR) is considered accurate because it is
not more than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions) point above or below
the APR as determined in accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from the disclosed finance charge, and the disclosed
finance charge is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed
finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission
finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If any loan originator receives compensation directly from a consumer in a consumer
credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person
other than the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Test that the initial disclosure (GFE/TIL/LE) does not contain any broker fees
paid by the broker

&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. Financing of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A creditor may not finance, directly or indirectly, any premiums or fees for credit
insurance in connection with a consumer credit transaction secured by a dwelling (including a home equity line of credit secured by the
consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction subject to the Real Estate Settlement Procedures
Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure date is not 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 the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure date is not later than the seventh business day (counting
all calendar days except Sunday and specified legal public holidays) before consummation of the transaction, or the application date of
the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential mortgage transaction" subject to the Real
Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure date is before consummation or three business days after
the creditor receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's
application

Page **6** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
(provision of loan estimate form) not later than the seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify applicable sections of the disclosure determined to carry assignee liability
were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide 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). The consumer must receive a
revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the
revised version of the disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered
to have received such version three business days after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was not provided and interest rate dependent charges change once the interest
rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure is "Decrease in charges affecting settlement or eligibility, a consumer-requested
revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify applicable sections of the disclosure determined to carry assignee liability were accurately
completed

&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. Revised Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12
CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the disclosures provided under §1026.19(f)(1)(i) become inaccurate before
consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives
the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the consumer determines that the extension of credit is needed to meet a bona
fide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure
after receiving the disclosures

Page **7** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
(§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
(§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. In transactions involving a seller, validate whether the lender disclosed all costs being paid by the
seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present on the borrower's Closing Disclosure, review the seller's
Closing Disclosure or alternative documentation for accuracy of disclosure

Page **8** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised closing disclosure delivery date is not more than
60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement date is not more than 60 calendar days after the consummation
date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error and Post-consummation Revised Closing Disclosure Delivery
Date Test (12 CFR §1026.19(f)(2)(iv))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determination of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify that a qualified mortgage is a covered transaction that provides for regular
periodic payments that are substantially equal and any interest rate change after consummation, along with the corresponding payment,
does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify that no qualified mortgage loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify that no qualified mortgage results in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A qualified mortgage is a covered transaction for which the loan term does not
exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's total monthly debt to total monthly income at the time
of consummation does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory
on July 1, 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans sold to Fannie and Freddie
must comply with the revised QM rules, effective July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from March 1, 2021
until October 1, 2022 will continue to apply the legacy QM rules; however, commencing July 1, 2021, legacy QM loans must be underwritten
to Appendix Q and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

Page **9** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The Client is required to advise regarding which application of QM/DTI or QM/APR
rule for loans with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Loans underwritten after 10/1/2022 will be reviewed following the revised QM (QM
2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR is not to exceed the APOR plus percentage threshold, calculated according
to 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application dates between 03/01/2021 and 10/01/2022
and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $110,260 (indexed
for inflation), 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount greater than or equal to $66,156 (indexed
for inflation), but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a first lien loan with a loan amount less than $66,156 (indexed for inflation),
6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount great than or equal to $66,156
(indexed for inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a subordinate-lien loan with a loan amount less than $66,156 (indexed for
inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Revised QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In addition to the Generally Applicable Factors above, all Revised QM loans must
meet the following:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider and Verify. The creditor considers and verifies the consumer's
current or expected income and assets and debt and his DTI or residual income

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider and Verify Safe Harbor (VSH). Creditor is deemed to have complied with
this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published
June 3, 2020 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published
June 10, 2020 including all subsequent updates;

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

Page **10** of **18**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised versions of manuals. A creditor also complies with the verification safe
harbor where it complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The QM 2.0 Rule permits the creditor to "mix and match" verification
standards from different agency manuals. Incenter Diligence will test the creditor's "verification" of third- party
records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or
more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note: the Client must provide written policies and procedures and related documentation
such as underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules, and in particular, with regard
to the "consider" and "verify" requirements. Further, if the Client intends to use the VSH, its written policies
and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions
addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support—as well as the specific date(s) of the
agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence is not responsible for determining whether revised
versions of the manuals listed above are "substantially similar" for purposes of the VSH; such a determination of the sole
responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note: due to the inherent subjectivity of the foregoing "consider"
and "verify" requirements, Incenter Diligence will review the Client's: (i) policies and procedures and worksheets and
(ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for
content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply
with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider
would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Has an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

Page **11** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. That the application date of the loan occurs before/after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. That the date the creditor received application occurs on or after January 10, 2014, the effective date
of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not exceed
the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed the
Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment Ability Test (12
CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If any loan originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive compensation, directly or indirectly, from any
person other than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has reason to know of the consumer-paid compensation to
the loan originator (other than the consumer) shall pay any compensation to a loan originator, directly or indirectly, in connection with
the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the NMLSR database, as available

Page **12** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not later than three business days after a lender, mortgage broker, or dealer
receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear
and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's
location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling organizations distributed to each loan applicant
under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not later than 3 business days after a loan originator (broker or lender) receives
an application for a federally related mortgage loan, or information sufficient to complete an application, the loan originator must provide
the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks for any amounts entered for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Only one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals.
Validate if the customer(s) waived their right to receive copies of their appraisals three business days prior to consummation/account
opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans for proof that lender delivered copies of appraisals
and other written valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their right to receive copies of their appraisals three
business days prior to consummation/account opening, review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal
Report, or other proof that the lender provided the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. State Specific tests (varies by state and applicability, but at a minimum includes);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home Equity Loans

Page **13** of **18**

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD1 from Sale of Previous Residence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimates and Closing Disclosures

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy Affidavit

&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;· Business Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance Policies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| <br> **Overall**<br>| <br> **# of Mortgage Loans** | <br> **% of Mortgage Loans** |
| A | 8 | 80.00% |
| B | 2 | 20.00% |
| C | 0 | 0.00% |
| **Total** | **10** | **100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| <br> **Credit**<br>| <br> **# of Mortgage Loans** | <br> **% of Mortgage Loans** |
| A | 8 | 80.00% |
| B | 2 | 20.00% |
| C | 0 | 0.00% |
| **Total** | **10** | **100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| <br> **Compliance**<br>| <br> **# of Mortgage Loans** | <br> **% of Mortgage Loans** |
| A | 10 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **10** | **100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| <br> **Property**<br>| <br> **# of Mortgage Loans** | <br> **% of Mortgage Loans** |
| A | 10 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **10** | **100.00%** |

---

Page **15** of **18**

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception <br> Categories** | &nbsp;&nbsp;**Exception<br> Count** | &nbsp;&nbsp;**Credit<br> Grade A** | &nbsp;&nbsp;**Credit<br> Grade B** | &nbsp;&nbsp;**Credit <br> Grade C** | &nbsp;&nbsp;**Credit<br> Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception<br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Compliance<br> Grade A** | &nbsp;&nbsp;**Compliance<br> Grade B** | &nbsp;&nbsp;**Compliance<br> Grade C** | &nbsp;&nbsp;**Compliance<br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception<br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Property<br> Grade A** | &nbsp;&nbsp;**Property<br> Grade B** | &nbsp;&nbsp;**Property<br> Grade C** | &nbsp;&nbsp;**Property <br> Grade D \*** |
| &nbsp;&nbsp;Appraisal | 1 | 1 | 0 | 0 | 0 |
| &nbsp;&nbsp;Data | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;Missing Doc | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;Property Issue | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;Value | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;**Total** | **1** | **1** | **0** | **0** | **0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Data Compare Field Name**<br>| <br> **# of Discrepancies** | <br> **% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | 0 | 100.00% |
| &nbsp;&nbsp;Amortization Term | 0 | 100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | 1 | 90.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | 0 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 0 | 100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | 0 | 100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | 0 | 100.00% |
| &nbsp;&nbsp;Doc Type | 0 | 100.00% |
| &nbsp;&nbsp;First Payment Date | 0 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 100.00% |
| &nbsp;&nbsp;Lien Position | 0 | 100.00% |
| &nbsp;&nbsp;Loan Program | 0 | 100.00% |
| &nbsp;&nbsp;Loan Purpose | 0 | 100.00% |
| &nbsp;&nbsp;Loan Type | 0 | 100.00% |
| &nbsp;&nbsp;Maturity Date | 0 | 100.00% |
| &nbsp;&nbsp;Note Date | 0 | 100.00% |
| &nbsp;&nbsp;Number of Units | 0 | 100.00% |
| &nbsp;&nbsp;Occupancy | 0 | 100.00% |
| &nbsp;&nbsp;Original Interest Rate | 0 | 100.00% |
| &nbsp;&nbsp;Original Loan Amount | 0 | 100.00% |
| &nbsp;&nbsp;Original Loan Term | 0 | 100.00% |
| &nbsp;&nbsp;Original P&I | 0 | 100.00% |
| &nbsp;&nbsp;Originator DSCR | 0 | 100.00% |
| &nbsp;&nbsp;Prepayment Penalty | 3 | 70.00% |

---

Page **17** of **18**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Address | 0 | 100.00% |
| &nbsp;&nbsp;Property City | 0 | 100.00% |
| &nbsp;&nbsp;Property State | 0 | 100.00% |
| &nbsp;&nbsp;Property Zip Code | 0 | 100.00% |
| &nbsp;&nbsp;Property Type | 2 | 80.00% |
| &nbsp;&nbsp;QM Designation | 5 | 50.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | 0 | 100.00% |
| &nbsp;&nbsp;Qualifying CLTV | 0 | 100.00% |
| &nbsp;&nbsp;Qualifying FICO | 0 | 100.00% |
| &nbsp;&nbsp;Qualifying LTV | 0 | 100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | 1 | 90.00% |
| &nbsp;&nbsp;Refinance Type | 0 | 100.00% |
| &nbsp;&nbsp;Sales Price | 0 | 100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | 0 | 100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | 2 | 80.00% |
| &nbsp;&nbsp;**Total** | **14** | **96.76%** |

---

Page **18** of **18**

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-8sch1_001.jpg) | Report Date: | 10/27/2025 |
| Client Name: | PRP VI AIV Holdings, LLC | Report: | Exception Report |
| Deal Name: | PRPM 2025-NQM5, LLC | Loans in report: | 10 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client 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?** |
| XXX | 25010801 | XXX | D A | Closed | FCOM8805 | 2024-09-11 16:55 | 2024-09-16 16:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-09/16/2024 <br> Ready for Review-Document Uploaded. - Seller-09/16/2024 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-09/11/2024 | Ready for Review-Document Uploaded. - Seller-09/16/2024<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-09/16/2024<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 600<br> Qualifying DTI below max allowed. - XXX%calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Borrower Authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 25010802 | XXX | D A C | Closed | FCRE6019 | 2025-05-09 10:50 | 2025-10-23 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Citizenship Documentation. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/09/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing an I–551 Permanent Resident Card per guidelines. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/09/2025<br>| Resolved-Received Citizenship Documentation. - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  | Identity Proof.pdf<br>SS CARD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 25010802 | XXX | D A C | Closed | FPRO1137 | 2025-05-07 11:48 | 2025-05-13 14:08 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received supporting documentation appraiser was licensed at the time of appraisal. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/09/2025 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/09/2025<br>| Resolved-Received supporting documentation appraiser was licensed at the time of appraisal. - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XX percent below the maximum DTI per guidelines of 50 |  | AppraiserStatus.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 25010802 | XXX | D A C | Closed | FCRE1479 | 2025-05-09 10:52 | 2025-05-13 14:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received revised asset worksheet reflecting 50% of business funds used for account #XXX. Borrower still has sufficient assets for closing/reserves. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. revised worksheet using 50%. We still have enough for funds to close and reserves. Thank you! - Seller-05/13/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as guidelines reflect only the borrower's percentage of ownership can be used. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - <br> The other owner is the borrower husband so 100% of the assets were used. <br> We have a different letter in file that indicates they are husband and wife. The license in file also verifies that both the borrower and her husband are owners of XXX.<br> - Seller-05/12/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing Verification 100% of Business Assets - XXX xxXXX can be used for closing costs and reserves. Per Guidelines, only Percentage of Ownership is allowable for Business Assets. Documentation submitted only confirms borrower is 50% owner in XXX, LLC. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. revised worksheet using 50%. We still have enough for funds to close and reserves. Thank you! - Seller-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - <br> The other owner is the borrower husband so 100% of the assets were used. <br> We have a different letter in file that indicates they are husband and wife. The license in file also verifies that both the borrower and her husband are owners of XXX. - Seller-05/12/2025 | Resolved-Received revised asset worksheet reflecting 50% of business funds used for account #XXX. Borrower still has sufficient assets for closing/reserves. - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  | XXX.pdf<br> LenderLOX.pdf<br> XXX Asset.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 25010803 | XXX | D A | Closed | FCOM1263 | 2025-05-15 09:16 | 2025-05-30 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received Notice of Right to Cancel that reflects Cancel Date. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please see the attached Notice of Right to Cancel with correct 3 day recession period. Thank you! - Seller-05/30/2025 <br>Open-Right of Rescission is Partially Provided Cancel date is not provided on the document. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see the attached Notice of Right to Cancel with correct 3 day recession period. Thank you! - Seller-05/30/2025<br>| Resolved-Received Notice of Right to Cancel that reflects Cancel Date. - Due Diligence Vendor-05/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Notice of Right to Cancel_correct recession period.pdf | 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 |
| XXX | 25010803 | XXX | D A | Closed | FCRE4963 | 2025-05-19 14:59 | 2025-05-29 10:07 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received payoff statement for XXX xxXXX. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see the attached Payoff Statement. Thank you! - Seller-05/29/2025 <br> Open-Missing Payoff Statement for XXX xxXXX. Mortgage is not reflected on Credit Report. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Please see the attached Payoff Statement. Thank you! - Seller-05/29/2025<br>| Resolved-Received payoff statement for XXX xxXXX. - Due Diligence Vendor-05/29/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX_Payoff Statement.pdf | 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 |
| XXX | 25010803 | XXX | D A | Closed | FCOM5771 | 2025-05-15 09:37 | 2025-05-29 08:49 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence of a required disclosure at application. | Resolved-Received XXX Application Notice. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see the attached XXX APPLICATION NOTICE. Thank you! - Seller-05/29/2025 <br> Open-"XXX Borrower Complaints" is missing from the file. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see the attached XXX APPLICATION NOTICE. Thank you! - Seller-05/29/2025 | Resolved-Received XXX Application Notice. - Due Diligence Vendor-05/29/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX_XXX APPLICATION NOTICE.pdf | 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 |
| XXX | 25010803 | XXX | D A | Closed | FCRE4104 | 2025-05-20 09:44 | 2025-05-22 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received supporting documentation of $XXX deposit. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Business funds check copy uploaded as source documentation for large deposit. Thank you! - Seller-05/22/2025 <br> Open-Missing verification and source documentation for Large Deposit in the amount of $XXX (XXX) to XXX xxXXX. Without verification, Borrower is short reserves in the amount of -$XXX. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Business funds check copy uploaded as source documentation for large deposit. Thank you!<br> - Seller-05/22/2025 | Resolved-Received supporting documentation of $XXX deposit. - Due Diligence Vendor-05/22/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Business Funds $XXX_check copy.pdf | 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 |
| XXX | 25010804 | XXX | C B A | Closed | FCRE1168 | 2025-05-15 10:16 | 2025-05-19 10:58 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received supporting documentation of additional HOI coverage. - Due Diligence Vendor-05/19/2025 <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-05/15/2025 |  | Resolved-Received supporting documentation of additional HOI coverage. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 06 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 | Hazard coverage amount is $XXX versus RCE cost of $XXX. Policy does show additional replacement cost included but does not provide a percentage or dollar figure. | Insurance-Calculator - HOI coverage.pdf<br> XXX-XXX-XXXExtendedReplacmentCost.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 25010804 | XXX | C B A | Closed | FCRE1440 | 2025-05-15 18:47 | 2025-05-15 18:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Reviewed Housing History does not meet Guideline Requirements. Exception approval provided for payment history on private mortgage. Private note holder makes infrequent trips to deposit borrower's checks although the payments are made on time validated by dates and check numbers. - Due Diligence Vendor-05/15/2025 | XXX FICO, 700 required; XXX months reserves using cash proceeds; XXX months 0x30 other mortgages; XXX years current homeownership - 05/15/2025 <br>| Waived-Reviewed Housing History does not meet Guideline Requirements. Exception approval provided for payment history on private mortgage. Private note holder makes infrequent trips to deposit borrower's checks although the payments are made on time validated by dates and check numbers. - Due Diligence Vendor-05/15/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 06 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 25010805 | XXX | D A | Closed | FCOM1329 | 2025-05-29 14:55 | 2025-06-13 14:30 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025 <br>Open-Missing Anti-Steering Disclosure - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025<br>| Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Anti-Steering Loan Options Disclosure.pdf | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCOM1477 | 2025-06-11 16:38 | 2025-06-13 13:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-XXX provided Lock Confirmation that reflects Lock Date of XXX with Initial Loan Estimate provided from Lender on XXX. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. The LE dated XXX that shows locked was the broker's and does not reflect our loan number - file was locked on XXX - please see attached LE from XXX dated XXX which would reflect the correct locked date of XXX - Seller-06/13/2025 <br> Open-Initial Loan Estimate provided Issued XXX reflects loan as locked, however, the earliest form of rate lock confirmation reflects the rate was locked XXX. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. The LE dated XXX that shows locked was the broker's and does not reflect our loan number - file was locked on XXX- please see attached LE from XXX dated XXX which would reflect the correct locked date of XXX - Seller-06/13/2025 | Resolved-XXX provided Lock Confirmation that reflects Lock Date of XXX with Initial Loan Estimate provided from Lender on XXX. - Due Diligence Vendor-06/13/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Loan Estimate - Initial Disclosures.pdf<br>Lock Confirmations.pdf | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCRE6911 | 2025-06-04 13:42 | 2025-06-13 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Lender in agreement with new DTI calculation. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Okay to clear - Seller-06/13/2025 <br> Open-Lenders DTI is XXX%; new DTI exceeds XXX% due to borrower new debt included in liabilities that wasn't listed on credit but billing statements were provided. New DTI is XXX still within guidelines. - Due Diligence Vendor-06/04/2025 | Ready for Review-Okay to clear - Seller-06/13/2025<br>| Resolved-Lender in agreement with new DTI calculation. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCOM1797 | 2025-05-29 15:10 | 2025-06-12 14:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received Additional Details For Services You Can Shop For Issued XXX. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br> Counter-No attachment included. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Please see attached - Seller-06/11/2025 <br> Open-Missing Written List of Service Providers with proof issued within 3 business days of application. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br>Ready for Review-Please see attached - Seller-06/11/2025<br>| Resolved-Received Additional Details For Services You Can Shop For Issued XXX. - Due Diligence Vendor-06/12/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX - XXX.pdf | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCRE1201 | 2025-06-03 15:11 | 2025-06-12 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025<br>| Resolved-Received Cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXXFraud.pdf | 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 |
| XXX | 25010805 | XXX | D A | Closed | 1000244-1001130 | 2025-06-11 16:32 | 2025-06-11 16:35 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/11/2025 <br> Open-This loan cannot be a General Qualified Mortgage. The (XXX) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) - Due Diligence Vendor-06/11/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/11/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCOM4227 | 2025-05-29 15:15 | 2025-06-11 16:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XX/XX/XXXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025<br>| Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/11/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_InitialCDwCOCXXX.pdf | 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 |
| XXX | 25010805 | XXX | D A | Closed | FCOM3957 | 2025-05-29 15:19 | 2025-06-11 16:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received Initial Loan Estimate Issued XXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Please see attached - Seller-06/11/2025 <br> Open-Missing Initial Loan Estimate with proof issued within 3 business days of application date. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-05/29/2025 | Ready for Review-Please see attached - Seller-06/11/2025<br>| Resolved-Received Initial Loan Estimate Issued XXX. - Due Diligence Vendor-06/11/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_Initial_LE - XXX.pdf | 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 |
| XXX | 25010806 | XXX | C B A | Closed | FCRE0360 | 2025-05-27 21:23 | 2025-06-16 09:35 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please find attached XXX exception Request form along with the property details report for XXX owned by XXX, XXX and XXX. Please advise if anything additional is needed. - Seller-06/16/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as XXX guidelines require a copy of the lease agreement if a private landlord and a XXX transaction history is provided. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Received VOR already included in loan file. Still missing Lease Agreement for current primary residence address of XXX as required per guidelines. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Counter-Lender commentary received - Missing Lease Agreement for current primary residence address of XXX. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please disregard the attachment but kindly confirm the property you are referring to - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. which property are you referring to? - Seller-06/03/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Private party VOR's require a copy of the active lease agreement. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. Please find attached XXX exception Request form along with the property details report for XXX owned by XXX, XXX and XXX. Please advise if anything additional is needed. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Ready for Review-Please disregard the attachment but kindly confirm the property you are referring to - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. which property are you referring to? - Seller-06/03/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. | 1) XXX% DTI is less than 50% maximum<br> 2) XXX months reserves are greater than 6 month minimum | XXX VOR - & 12 months payments for rental history.pdf<br> XXX LOE.pdf<br> XXX XXX XXX Exception Review Form.pdf<br> XXX property profile.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| XXX | 25010806 | XXX | C B A | Closed | FCRE1440 | 2025-05-27 21:21 | 2025-06-04 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received supporting documentation of housing history. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The housing history provided for XXX is not sufficient, XXX bank xxXXX shows outgoing wire transfers of $XXX to an unknown entity. Payments were provided for the months of XXX, XXX through XXX. Missing evidence of XXX, XXX, XXX and XXX. Additionally missing evidence of wire transfers were issued to private landlord reflected on VOR. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received supporting documentation of housing history. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Rental docs.pdf | 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 |
| XXX | 25010806 | XXX | C B A | Closed | FCOM1329 | 2025-05-19 15:55 | 2025-06-03 17:32 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. attached Correct Loan option disclosure - Seller-06/03/2025 <br>Ready for Review-Please disregard the attachment - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Loan option disclosure is missing from the file. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. attached Correct Loan option disclosure - Seller-06/03/2025 <br>Ready for Review-Please disregard the attachment - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | D22-Anti-steering Disclosure.pdf | 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 |
| XXX | 25010807 | XXX | D A | Closed | FCRE1193 | 2025-06-02 15:43 | 2025-06-30 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/30/2025 <br> Resolved- - Due Diligence Vendor-06/30/2025 <br> Counter-Docs received, however unable to re-calculate DTI until HOI policies are received (please see other condition.) - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Max DTI is 50%; >50% is only allowed with min 700 FICO, Max 80% LTV/CLTV, this does not meet the guidelines as the fico is XXX. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/30/2025 |  |  | REO Breakdown.pdf<br>1008 and 1003.pdf<br>REO Rents.pdf | 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 |
| XXX | 25010807 | XXX | D A | Closed | FCRE7497 | 2025-06-02 15:37 | 2025-06-30 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Missing updated Hazard policies for XXX (expired XXX), XXX (expired XXX), XXX (expired XXX and XXX (expired XXX). Loan closed on XXX, need to ensure the premium did not go up after renewal. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>|  |  |  | XXX XXX-XXX-XXX-XXX-XXX.pdf<br> XXX attachment1.pdf<br> Proof of Insurance XXX.pdf<br> XXX XXX-XXX-XXX-XXX-XXX.pdf | 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 |
| XXX | 25010807 | XXX | D A | Closed | FCRE9500 | 2025-06-02 15:39 | 2025-06-17 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received gift letter for $XXX. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Counter-Received evidence of wire for $XXX gift, however still missing the gift letter reflecting the $XXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing evidence title received the gift funds in the mount of $XXX via wire as reflected on the CD. Also missing the gift letter reflecting the $XXX as reflected on the CD. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received gift letter for $XXX. - Due Diligence Vendor-06/17/2025 |  |  | $XXX.pdf<br> XXX Gift Wire.pdf<br> _giftXXX.pdf | 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 |
| XXX | 25010807 | XXX | D A | Closed | FSER1202 | 2025-06-02 15:33 | 2025-06-11 16:50 | Resolved | 1 - Information A | Servicing | Additional Information | URLA is missing | Resolved-Received updated URLA reflecting gift funds of $XXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached PC URLA - Seller-06/11/2025 <br> Counter-Received gift letter reflecting gift funds of $XXX which is inconsistent with the amount of $XXX reflected on Final CD and wire confirmation. Still missing updated Final URLA reflecting gift funds of $XXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025 <br> Counter-Received confirmation of gift funds of $XXX, however missing corrected Final URLA reflecting applicable gift funds. Currently, Final URLA reflects gift funds in the amount of $XXX. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing final URLA reflecting gift funds in the amount of $XXX per CD or $XX per gift letter. Final URLA reflects gift funds in the amount of $XXX. - Due Diligence Vendor-06/02/2025\ | Ready for Review-Document Uploaded. Please see attached PC URLA - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received updated URLA reflecting gift funds of $XXX. - Due Diligence Vendor-06/11/2025 |  |  | $XXX.pdf<br> XXX XXX LETTER.pdf<br> 1003.pdf | 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 |
| XXX | 25010809 | XXX | C A | Closed | FCRE1637 | 2025-06-10 16:22 | 2025-06-23 16:13 | Resolved | 1 - Information C A | Credit | Insurance | Loss Rent Insurance is required | Resolved-Per Lender, Rental income not being used to qualify - rent loss coverage not required. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. removed rental income don't need it. see updated 1008 DTI is good - Seller-06/23/2025 <br> Open-Loss Rent Insurance is required Missing evidence of Loss Rent Coverage. HOI Policy submitted states rent loss coverage, however, does not state amount or terms. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. removed rental income don't need it. see updated 1008 DTI is good - Seller-06/23/2025<br>| Resolved-Per Lender, Rental income not being used to qualify - rent loss coverage not required. - Due Diligence Vendor-06/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | 1008 - Transmittal Summary.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 25010809 | XXX | C A | Closed | FCRE1344 | 2025-06-16 10:01 | 2025-06-16 13:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received income calculation worksheet from XXX to XXX which matches income on 1003. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. income calculation done from XXX to XXX, XXX not used - Seller-06/16/2025 <br> Open-Missing XXX Bank #XXX Bank Statement for XXX lender used to qualify per Income Calculation Worksheet. Subject to re-review of Income. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. income calculation done from XXX to XXX, XXX not used - Seller-06/16/2025 | Resolved-Received income calculation worksheet from XXX to XXX which matches income on 1003. - Due Diligence Vendor-06/16/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX LLC Income.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 25010810 | XXX | D A | Closed | FCRE5116 | 2025-06-09 17:41 | 2025-06-11 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender commentary received clarifying XXX is a loan servicer-cancelled checks not required. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-XXX is a dedicated loan servicing company. Mortgage payments are remitted to loan servicing companies like XXX, as they act as institutional entities responsible for collecting mortgage payments not private lenders. Notably, when the Verification of Mortgage (VOM) originates from an institution, cancelled checks are not required for validation. Please ensure no request for cancelled checks is made in such cases. Could you please help me clear this condition？ Thank you for your help. - Seller-06/11/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Per payoff statement, funds are being paid out to four individual parties which constitutes a private lender. Still missing cancelled checks evidencing the mortgage payments in the amount of $XXX. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. - Seller-06/10/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing cancelled checks evidencing the mortgage payments in the amount of $XXX to XXX. Per lender guidelines: Payments to private lenders or landlords require support with canceled checks. - Due Diligence Vendor-06/09/2025 | Ready for Review-XXX is a dedicated loan servicing company. Mortgage payments are remitted to loan servicing companies like XXX, as they act as institutional entities responsible for collecting mortgage payments not private lenders. Notably, when the Verification of Mortgage (VOM) originates from an institution, cancelled checks are not required for validation. Please ensure no request for cancelled checks is made in such cases. Could you please help me clear this condition？ Thank you for your help. - Seller-06/11/2025 <br> Ready for Review-Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. - Seller-06/10/2025 | Resolved-Lender commentary received clarifying XXX is a loan servicer-cancelled checks not required. - Due Diligence Vendor-06/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 25010810 | XXX | D A | Closed | FCRE1148 | 2025-06-03 15:31 | 2025-06-10 11:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised title commitment reflecting correct loan amount coverage. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Ready for Review-"Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. " Please ignore this comment. This comment belongs to another condition - Seller-06/10/2025 <br> Ready for Review-Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. - Seller-06/10/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement to reflect loan amount of $XXX. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Ready for Review-"Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. " Please ignore this comment. This comment belongs to another condition - Seller-06/10/2025 <br>Ready for Review-Hi Team, The VOM is from institution, not private party, the cancelled checks are not required. - Seller-06/10/2025<br>| Resolved-Received revised title commitment reflecting correct loan amount coverage. - Due Diligence Vendor-06/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  | Title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |

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## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-8sch2_001.jpg) | Report Date: | 10/27/2025 |
| Client Name: | PRP VI AIV Holdings, LLC | Report: | Final Tape Compare |
| Deal Name: | PRPM 2025-NQM5, LLC | Loans in report: | 10 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 25010801 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 25010801 | XXX |  | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 25010802 | XXX |  | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 25010802 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 25010803 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 25010804 | XXX |  | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 25010804 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 25010805 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 25010808 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 25010809 | XXX |  | XXX | Property Type | propertyValuationPage | Two to Four Unit | Detached |
| XXX | 25010810 | XXX |  | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 25010810 | XXX |  | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 25010810 | XXX |  | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 25010810 | XXX |  | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-8sch3_001.jpg) | Report Date: | 10/27/2025 |
| Client Name: | PRP VI AIV Holdings, LLC | Report: | QM ATR |
| Deal Name: | PRPM 2025-NQM5, LLC | Loans in report: | 10 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 25010801 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010802 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010803 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010804 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 25010805 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010806 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |
| XXX | 25010807 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010808 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010809 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 25010810 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-8sch4_001.jpg) | Report Date: | 10/27/2025 |
| Client Name: | PRP VI AIV Holdings, LLC | Report: | Rating Agency Grades |
| Deal Name: | PRPM 2025-NQM5, LLC | Loans in report: | 10 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | 25010801 | XXX |  | XXX A D |
| XXX | 25010802 | XXX |  | XXX D A C |
| XXX | 25010803 | XXX |  | XXX D A |
| XXX | 25010804 | XXX |  | XXX C A B |
| XXX | 25010805 | XXX |  | XXX D A |
| XXX | 25010806 | XXX |  | XXX C B A |
| XXX | 25010807 | XXX |  | XXX D A |
| XXX | 25010808 | XXX |  | XXX A |
| XXX | 25010809 | XXX |  | XXX C A |
| XXX | 25010810 | XXX |  | XXX D A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-8sch5_001.jpg) | Report Date: | 10/27/2025 |
| Client Name: | PRP VI AIV Holdings, LLC | Report: | Valuation Summary |
| Deal Name: | PRPM 2025-NQM5, LLC | Loans in report: | 10 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 25010801 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXX |
| XXX | 25010802 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | 25010803 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | 25010804 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | 25010805 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX |
| XXX | 25010806 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXX |
| XXX | 25010807 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | 25010808 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXX |
| XXX | 25010809 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0336 | AVM |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX | .0336 | 97.0 | 0.03 | XXX | Other | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| XXX | 25010810 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |

---

## Exhibit 99.9

**Exhibit 99.9**

**EXECUTIVE SUMMARY**

PRPM 2025-NQM5

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP VI AIV Holdings, LLC. The Review was conducted from May 2025 to June 2025 on mortgage loans originated between April 2025 and May 2025. The Review consisted of 100% of the population of 5 loans with an original loan balance of $5,551,500.00.

**Scope of Review**

**Credit Review**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation date, and NMLS is complete

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt service coverage ratio ("DSCR") calculations

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

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

![](ex99-9_001.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;ii. Mortgage insurance certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR calculation

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as" names investigated and cleared

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements in conformance with applicable guidelines

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing employment, if applicable

&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. Lease agreements and market rents, if applicable

![](ex99-9_001.jpg)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each mortgage loan to determine each mortgage loan's status under the QM and
ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence. MaxDiligence will note as a material exception
if its QM and ATR designations do not confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence will
note if an originator's mortgage loan designation was not provided. MaxDiligence shall use the following designations:

&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. MaxDiligence utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&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. MaxDiligence utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM designation, as applicable, MaxDiligence will review each Loan for 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;i. Use of any risky mortgage loan features and terms (e.g. an interest only feature or negative amortization);

&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. Do the "points and fees" exceed the applicable QM threshold;

&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. Was monthly payment calculated appropriately;

&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. Did the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately considered debt obligations, alimony and child support;

&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. For mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated in
accordance with Appendix Q to 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;vii. For mortgage loan applications on and after October 1, 2022, for which the annual percentage rate does
not exceed the average prime offer rate for a comparable transaction as of the date the interest rate is set by the amounts specified
based on loan amount (adjusted annually on January 1 by the annual percentage change in the Consumer Price Index for All Urban Consumers
(CPI-U) that was reported on the preceding June 1) and the lien position of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction with a loan amount greater than or equal to $110,260 (indexed for
inflation), 2.25 or more percentage points; or

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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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction with a loan amount greater than or equal to $66,156 (indexed for
inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation), 6.5
or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction secured by a manufactured home with a loan amount less than $110,260
(indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156 (indexed
for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence will determine
if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined by 12 CFR 1026.35:

&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. If the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher Priced);

&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. If the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence then
will determine whether the mortgage loan complies with the ATR rule, in accordance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate the Loan for ATR compliance based on the following eight factors and will verify
such information using reasonably reliable third-party records, at or before consummation:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
assess the ability to repay.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

![](ex99-9_001.jpg)

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

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

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

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

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

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

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

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

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

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

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

![](ex99-9_001.jpg)

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

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

Rescission

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

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

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

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

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

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

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

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

![](ex99-9_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: Where available, MaxDiligence 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, MaxDiligence's review was limited to formal general statements of entity compliance
provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first-time homebuyer that contains a negative amortization feature.

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations within
three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as
set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business
 Day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business
 Days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to
 consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect
to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home"
mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were
enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

![](ex99-9_001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 100% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

![](ex99-9_001.jpg)

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 2 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets - Miscellaneous | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Verification Documentation - VOM Missing/Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing evidence of rate lock | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |

---

**Tape Integrity Review Results Summary**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 5 mortgage loans reviewed, 1 unique mortgage loans (by loan count) had a total of 1 different tape discrepancy across 1 data field. A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |

---

![](ex99-9_001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

![](ex99-9_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1081021592 |  |  | Priority Financial - VP - 2025 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loan are exempt |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

![Picture](ex99-9sch2_001.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Client | Maxwell Diligence Solutions LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | PRPM 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 10/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| 1081021220 |  |  | xx-xx-xxx | xxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 1081021592 |  |  | xx-xx-xxx | xxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 1081021726 |  |  | xx-xx-xxx | xxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1081021938 |  |  | xx-xx-xxx | xxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| 250201340 |  |  | xx-xx-xxx | xxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 1081021220 |  |  | xx-xx-xxx | xxx | xxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4119333 | 1 of 3 | 2025-05-12 19:54 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-30836.339999999997' are less than $0. The cash out per the final Closing disclosure was $xxx, however the required reserve requirement is $xxx. Please provide documentation to support the full 9 months of reserves required. <br>|  | Document Uploaded. - 05/13/2025<br>| Documentation provided is sufficient. - 05/14/2025<br>Total Cash reserves are greater than $0. - 05/14/2025<br>|  | 2025-05-14 13:03 | Resolved | 3 | 1 | 3 | 1 |
| 1081021220 |  |  | xx-xx-xxx | xxx | xxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4119842 | 2 of 3 | 2025-05-12 20:29 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-12 20:29 | Cleared | 1 | 1 | 3 | 1 |
| 1081021220 |  |  | xx-xx-xxx | xxx | xxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4120293 | 3 of 3 | 2025-05-12 21:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-12 21:05 | Cleared | 1 | 1 | 3 | 1 |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | NY | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4293794 | 1 of 5 | 2025-06-01 14:42 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower purchased the primary residence xx/xx/xx. The mortgage associated with his property is not reflecting on the credit report, nor is there a 12 month housing payment history located in the loan file. Per guidelines, a 12 month housing payment history is required for the primary residence. <br>|  | Borrower is living rent free prior to purchasing her current primary residence. DSCR guidelines allow rent free if borrower has a history of owning investment properties. - 06/11/2025<br>|  |  | 2025-06-16 19:33 | Resolved | 3 | 1 | 3 | 1 |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | NY | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4293828 | 2 of 5 | 2025-06-01 15:09 | Credit | Asset 2 Less Than 2 Months Verified | Asset has less than 2 months verified in file. There was only 1 month of bank statements in the file for the account ending in xxx. Per guidelines, the asset documentation must cover a minimum two-month time period. <br>|  | Guidelines reflect only one of the most recent 30-day period account statement is required, not two. - 06/17/2025 <br> Document Uploaded. Closing Statement and Closing Agent Confirmation of xxx Sale Proceeds Held In Escrow which meets required Assets and Reserves. - 06/11/2025 | An additional statement for the XX account ending in xxx is still missing from the loan file. - 06/16/2025 |  | 2025-06-19 02:41 | Resolved | 3 | 1 | 3 | 1 |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | NY | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4293841 | 3 of 5 | 2025-06-01 15:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-01 15:18 | Cleared | 1 | 1 | 3 | 1 |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | NY | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4293842 | 4 of 5 | 2025-06-01 15:18 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-01 15:18 | Cleared | 1 | 1 | 3 | 1 |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | NY | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4304136 | 5 of 5 | 2025-06-02 19:54 | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. The proceeds from the sale of xxx were utilized as assets for this transaction. This loan closed on xxx xx, xxx. Please provide the asset statement that details the proceeds from the sale of xxx, which were deposited into the account. <br>|  | Document Uploaded. Closing Statement and Closing Agent Confirmation of xxx Sale Proceeds Held In Escrow which meets required Assets and Reserves. - 06/11/2025 | Escrow letter provided is sufficient - 06/16/2025<br>|  | 2025-06-16 19:29 | Resolved | 3 | 1 | 3 | 1 |
| 1081021726 |  |  | xx-xx-xxx | xxx | xxx | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4189662 | 1 of 3 | 2025-05-20 13:05 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-20 13:05 | Cleared | 1 | 1 | 1 | 1 |
| 1081021726 |  |  | xx-xx-xxx | xxx | xxx | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4199458 | 2 of 3 | 2025-05-21 01:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-21 01:50 | Cleared | 1 | 1 | 1 | 1 |
| 1081021726 |  |  | xx-xx-xxx | xxx | xxx | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4206165 | 3 of 3 | 2025-05-21 16:42 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-21 16:42 | Cleared | 1 | 1 | 1 | 1 |
| 1081021938 |  |  | xx-xx-xxx | xxx | xxx | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4193744 | 1 of 3 | 2025-05-20 17:01 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Documentation showing the alerts (possible matches found on SAM.gov and OFAC) were cleared on the fraud report were not found in the loan documents. <br>|  | Document Uploaded. - 05/23/2025<br>| Fraud report with clear summary provided, condition resolved. - 05/29/2025<br>|  | 2025-05-29 14:55 | Resolved | 3 | 1 | 3 | 1 |
| 1081021938 |  |  | xx-xx-xxx | xxx | xxx | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4193916 | 2 of 3 | 2025-05-20 17:13 | Credit | Verification Documentation - VOM Missing/Incomplete | The mortgage history in the loan file was incomplete or missing. The loan file did not contain a Verifiction of Mortgage as required. The Insurance with Farmers Insurance for the property located at xxx on page 457 reflects a second mortgage with xxx, the same company representing the xxx loan on the other property the borrower owns. There was no documentation found to support this loan (amount, balance, payments, etc.). <br>|  | Document Uploaded. The xxx loan is a cross collateralized loan for both the xxx and xxx properties. The attached xxx Loan Payment History and Note cover both these properties. Also attached Deeds of Trust show Loan Number xxx which matches the xxx Loan Payment History and Note. - 05/23/2025 | Documentation provided is sufficient. - 05/27/2025<br>|  | 2025-05-27 12:43 | Resolved | 3 | 1 | 3 | 1 |
| 1081021938 |  |  | xx-xx-xxx | xxx | xxx | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4194614 | 3 of 3 | 2025-05-20 17:56 | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. <br>|  | Document Uploaded. - 05/22/2025<br>| Received Rate Lock. Finding resolved - 05/22/2025<br>|  | 2025-05-22 15:27 | Resolved | 3 | 1 | 3 | 1 |
| 250201340 | xxx |  | xx-xx-xxx | xxx | xxx | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036413 | 1 of 3 | 2025-05-03 14:51 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-03 14:51 | Cleared | 1 | 1 | 1 | 1 |
| 250201340 | xxx |  | xx-xx-xxx | xxx | xxx | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036414 | 2 of 3 | 2025-05-03 14:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-03 14:51 | Cleared | 1 | 1 | 1 | 1 |
| 250201340 | xxx |  | xx-xx-xxx | xxx | xxx | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036415 | 3 of 3 | 2025-05-03 14:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-03 14:51 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1081021220 |  |  | xx-xx-xxx | xxx |  | 0 | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 70.0 | 70.0 | xxx | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | .00 | .0000 | xxx | Low Risk | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021592 |  |  | xx-xx-xxx | xxx | xxx | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | .00 | .0000 | xxx | LOW RISK | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021726 |  |  | xx-xx-xxx | xxx | xxx | 0 | xxx | xx-xx-xxx | 1004 URAR | xxx | 74.77 | 89.99 | xxx | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | .00 | .0000 | xxx | Low Risk | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1081021938 |  |  | xx-xx-xxx | xxx | xxx | 0 | xxx | xx-xx-xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | .00 | .0000 | xxx | Low Risk | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250201340 |  | xxx | xx-xx-xxx | xxx |  | xxx | xxx | xx-xx-xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | .00 | .0000 | xxx | LOW RISK | xx-xx-xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10**

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRP VI AIV Holdings, LLC ("Client"). The review was conducted between May 2025 and August 2025 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 63 Non-QM loans and 36 ATR-QM exempt loans for a total of 99 loans the "Final Securitization Population".

*<u>Credit Reviews (99):</u>*

During the Review, Selene performed a credit review on 99 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (99)</u>*

During the Review, Selene performed a compliance review, when applicable on 99 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (99):</u>*

During the Review, Selene performed a property valuation review on 99 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (99):</u>*

During the Review, Selene performed a Data Integrity Review on 99 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 99 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;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch"), DBRS, Inc. ("DBRS") (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>**

ACC Underwriting Guidelines, Loanstream One Guidelines, Deephaven Underwriting Guidelines, Easy Street DSCR Guidelines, Loanstream Core Guidelines, Kind Lending Non-Agency Program 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 **16**

**<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,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**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.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **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 **16**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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 99 mortgage loans, (ii) a Compliance Review on 99 mortgage loans (iii) a Valuation Review on 99 mortgage loans, and (iv) a Data Integrity Review on 99 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 99 mortgage loans; 92 mortgage loans had a rating grade of A, 7 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (99 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - <br> OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - <br> OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &nbsp;&nbsp;36 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;A | &nbsp;&nbsp;92 | &nbsp;&nbsp;92 | &nbsp;&nbsp;92.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.07% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;18 | &nbsp;&nbsp;18 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;45 | &nbsp;&nbsp;45 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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Page **4** of **16**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;92 | &nbsp;&nbsp;92 | &nbsp;&nbsp;92.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.07% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **16**

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.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due 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 **16**

**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 **16**

**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 **16**

&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.

**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 **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the 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;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;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;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;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;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;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 **16**

&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>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;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) 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.** **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):** 

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 completed and that information was reflected in the appropriate locations, which 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 that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) 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> 

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; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **16**

**3.** **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 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.

Selene 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"). 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.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

## Exhibit 99.10

**Exhibit 99.10 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 112503006 |  |  | May 2025 ACC Selene Flow | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Loan Purpose considered from Lock document. |
| 132504068 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date verified from in initial 1003. |
| 132504068 |  |  | May 2025 ACC Selene Flow | Monthly Property Tax Amount | titlePage | 365.36 | 327.04 | We have City Property Tax $38.32 in file. |
| 2504154376 |  |  | Loanstream NQM May 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag set to Yes as B is Self-employee |
| 2504154376 |  |  | Loanstream NQM May 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date 04-XX-2025 per borrower's signature date. |
| 2504154376 |  |  | Loanstream NQM May 2025 | Interest Rate | notePage | 9.499 | 0.0000 | Interest Rate verified from Note docuemnt |
| 2504154376 |  |  | Loanstream NQM May 2025 | Monthly Property Tax Amount | titlePage | 805.66 | 0.00 | Monthly Property Tax Amount updated as per tax sheet |
| 2504154376 |  |  | Loanstream NQM May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 195.6 | 0.00 | Total Monthly Property Insurance Amount updated as per Hazard document |
| 2504154376 |  |  | Loanstream NQM May 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.69 | 21.77 | entered all the tradelines as per Credit report however 1003 shows XX/XX $53 whereas credit report shows $0 due to which there is an DTI variance of 0.08% . within GL limit |
| 112504244 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Updated as per initial 1003 |
| 132504272 |  |  | May 2025 ACC Selene Flow | Total Monthly Property Insurance Amount | propertyInsurancePage | 502.85 | 432.10 | Total Monthly Property Insurance Amount includes Flood insurance. |
| 2503151758 |  |  | Loanstream NQM May 2025 | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 03/XX/2025. |
| 2503151758 |  |  | Loanstream NQM May 2025 | Interest Rate | notePage | 10.499 | 0.0000 | Interest Rate entered as per Note document, but tape data showing zero. |
| 2503151758 |  |  | Loanstream NQM May 2025 | Monthly Property Tax Amount | titlePage | 108.82 | 0.00 | Monthly Property Tax Amount entered as per tax document, but tape data showing zero. |
| 2503151758 |  |  | Loanstream NQM May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 187.26 | 0.00 | Total Monthly Property Insurance Amount entered as per hazard document, but tape data showing zero. |
| 2504155656 |  |  | Loanstream NQM May 2025 | Interest Rate | notePage | 7.75 | 0.0000 | Interest Rate is 7.75% per Note document. |
| 2504155656 |  |  | Loanstream NQM May 2025 | Monthly Property Tax Amount | titlePage | 3340.49 | 0.00 | Monthly Property Tax Amount is $3340.49 |
| 2504155656 |  |  | Loanstream NQM May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 841.77 | 0.00 | Total Monthly Property Insurance Amount is $841.77 which includes Hazard + Flood Insurance. |
| 2505156258 |  |  | Easy Street - LS Corr DSCR May 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 05/XX/2025 | Application date considered as per initial 1003 sign date |
| 2505156258 |  |  | Easy Street - LS Corr DSCR May 2025 | Interest Rate | notePage | 9.875 | 0.0000 | Interest verified per note document |
| 2505156258 |  |  | Easy Street - LS Corr DSCR May 2025 | Monthly Property Tax Amount | titlePage | 177.93 | 0.00 | Taxes verified per tax cert and is correct |
| 2505156258 |  |  | Easy Street - LS Corr DSCR May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 350.92 | 0.00 | Insurance verified per hazard doc and is correct |
| 142503998 |  |  | May 2025 ACC Selene Flow | Monthly Property Tax Amount | titlePage | 654.08 | 92.55 | $654.08 is including of City, county $92.55 +$561.53 |
| 132504123 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date updated as per Initial 1003 document. |
| 162504107 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date updated as per initial 1003 Originator sign date. |
| 2504155163 |  |  | Loanstream NQM May 2025 | Interest Rate | notePage | 9.625 | 0.0000 | Interest Rate is 9.625% per Note document. |
| 2504155163 |  |  | Loanstream NQM May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 270.92 | 0.00 | Total Monthly Property Insurance Amount is $270.92 per Insurance pg# |
| 2504155163 |  |  | Loanstream NQM May 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.45 | 26.09 | Qualifying Total Debt Income Ratio variance due consideration of Income as mentioned in Employment Tab. |
| 2505156372 |  |  | Loanstream NQM May 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1Self Employment Flag should be yes as per provided supporting document to qualify borrower's income. |
| 2505156372 |  |  | Loanstream NQM May 2025 | Interest Rate | notePage | 8.75 | 0.0000 | Interest Rate entered as per Note doc pg-237.Tape data reflecting wrong value. |
| 2505156372 |  |  | Loanstream NQM May 2025 | Monthly Property Tax Amount | titlePage | 664.04 | 0.00 | Taxes: $7,968.53 divided by 12 = $664.04 per month. Tape data reflecting wrong value. |
| 2505156372 |  |  | Loanstream NQM May 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag should be No, but tape data is showing as 0.  |
| 2505156372 |  |  | Loanstream NQM May 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 320.75 | 0.00 | Property Insurance : $3849 divided by 12 = $320.75 per month. Tape data reflecting wrong value. |
| 132504279 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Updated as per initial 1003 |
| 112504059 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date considered from initial signature date. |
| 132504299 |  |  | May 2025 ACC Selene Flow | Total Monthly Property Insurance Amount | propertyInsurancePage | 211.83 | 165.82 | Flood Insurance iao $46.02+ HOI iao $165.81=$211.83 |
| 162503824 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Application date confirmed with initial 1003. |
| 2504153931 |  |  | Loanstream NQM May 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Updated initial 1003 application print date as initial application date source. |
| 132504220 |  |  | May 2025 ACC Selene Flow | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per Appraisal Document "Two to Four Unit". |
| 132503896 |  |  | May 2025 ACC Selene Flow | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Application date considered from initial 1003. |
| 132504310 |  |  | May 2025 ACC Selene Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.81 | 45.36 | DTI variance is due to HOA Fee iao $55.00 not being captured on the 1008. |
| 132504310 |  |  | May 2025 ACC Selene Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 38.83 | 38.38 | HTI variance is due to HOA Fee iao $55.00 not being captured on the 1008 |
| 2504154705 |  |  | Loanstream DSCR June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Confirmed the application date from the Initial 1003. |
| 2505157232 |  |  | Loanstream NQM June 2025 | CLTV | propertyValuationPage | 68.91 | 75.00 | As per the Valuation documents updated the information |
| 132504258 |  |  | June 2025 ACC Selene Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 19.96 | 19.98 | HTI variance is due to the subject having a $50 yrly charge for repair and maintenance of XXX legal drain- collected w/ property taxes per Title Commitment on page 436; however, this is not captured on the Final CD. |
| 132504258 |  |  | June 2025 ACC Selene Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.96 | 23.93 | DTI variance is due to the increase in Monthly Payments. Updated as per credit and gap reports. |
| 2505156906 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505156320 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2504154930 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application Date updated as per initial 1003 |
| 2505158088 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application date considered as per the borrower sign date |
| 2505158088 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 self-employed |
| 2505158088 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 8.75 | 0.0000 | Verified interest rate per Note document |
| 2505158088 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 613.88 | 0.00 | Taxes verified per document and matching with closing docs |
| 2505158088 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 137.58 | 0.00 | Insurance premium verified per document and matching with closing docs |
| 2505158088 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.95 | 14.98 | CBNA 9081 payment changed from $73 to $64 in gap report resulting slight variance in DTI but well within DTI limit |
| 2505157767 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated as per Document. |
| 2505156823 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment flag updated as per final 1003 |
| 2505156823 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 1.26 | 1.22 | Income Calculation did not include 4/30/2025 statement, Expense Ratio Table Product Business 1 Employee 40% vs 60%. |
| 2505156823 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0.69 | 0.92 | Income Calculation did not include 4/30/2025 statement, Expense Ratio Table Product Business 1 Employee 40% vs 60%. |
| 112503799 |  |  | June 2025 ACC Selene Flow | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Updated as per Initial 1003. |
| 112503799 |  |  | June 2025 ACC Selene Flow | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Updated as per Final CD-Cash to Close. |
| 112503799 |  |  | June 2025 ACC Selene Flow | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 04/08/2025 | Updated as per Drop down. |
| 2503151055 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Initial 1003 stamped as received date 03/XX/2025 is Date creditor Received Application.  |
| 2505158631 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 10.75 | 0.0000 | Updated as per the Note Document. |
| 2505158631 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 474 | 0.00 | Updated as per the Tax Document. |
| 2505158631 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 76.75 | 0.00 | Updated as per the Insurance Document. |
| 2505158302 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505158302 |  |  | Loanstream NQM June 2025 | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Considered property type as per appraisal document. |
| 2505158302 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 7.999 | 5.9990 | Interest Rate entered as per Note document, but tape data showing 5.999%. |
| 2505156214 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date considered as per the initial 1003 sign date |
| 2505157206 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505157206 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.81 | 18.51 | Verified thru supplied doc's within 3% variance |
| 2505157206 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.19 | 10.24 | Audited Qualifying monthly income $61,520.13 XX statements XX 4/2025-5/2024. Self Employment Certification states Service Business with up to 10 Employees, Guideline 4/17/2025 Page 62 Expense Ratio 50%. |
| 2505158438 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505158438 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 13.69 | 12.30 | DTI matches 1008 |
| 2505158438 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.14 | 18.09 | DTI matches 1008 |
| 2505157297 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application Date updated as per initial  |
| 2505157297 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 643.69 | 117.59 | Total Monthly Property insurance amount is $643.69, Hazard Insurance $117.59 + Flood Insurance $148.67 + Insurance impound windstorm $377.42 = $643.68 whereas tape data not added flood insurance and windstorm insurance |
| 2505157297 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.26 | 29.75 | HTI discrepancy on the loan, as per the HTI calculations our calculated HTI is 29.04% but Originator HTI is 29.75%. Variance is 0.71 within tolerance due to the difference in P&I amount our calculated P&I amount is $1870.70 verified from Final CD page 206 Note page 433 and First payment letter page 447 whereas 1008 page 526 shows incorrect P&I of $1937.96 |
| 2505157297 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.34 | 46.26 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 45.54% but Originator DTI is 46.26%. Variance is 0.72 within tolerance due to the difference in P&I amount our calculated P&I amount is $1870.70 verified from Final CD page 206 Note page 433 and First payment letter page 447 whereas 1008 page 526 shows incorrect P&I of $1937.96 |
| 2504155043 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | As per initial 1003, LO signed on 04/XX/2025 whereas borrower signed and print date is on 04/XX/2025. Hence Application Date will be '04/XX/2025' and Application Date Source will be 'Date Creditor Received Application'.  |
| 2504155043 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | Borrower 1 Self-Employment Flag is No. |
| 2505157254 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated borrower received application date as initial application date source. |
| 2505157254 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.32 | 11.46 | Audited Qualifying Monthly Income $25,682.18 |
| 2505157254 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.18 | 11.28 | Audited Qualifying Monthly Income $25,682.18 |
| 2505158496 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date 6/6/2025. |
| 2505158496 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag is yes, Borrower having 100% ownership. |
| 2505158496 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 467.63 | 96.97 | Total Monthly Property Insurance Amount considered as per document, we have other Insurance Impound-Hazard amount so added that amount, but tape data showing only hazard amount. |
| 2505158496 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.57 | 44.51 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 44.57% but Originator DTI is 44.51%, difference is 0.06% within the tolerance only. The XX acc #XX #XX, XX #XX balance has been increased from Final 1003 to credit report, got $28 amount difference, hence there is difference in DTI. |
| 2506159269 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Updated borrower received application date as initial application date source. |
| 200532 |  |  | BPC POST CLOSE: Q2 2025 | Property Address | notePage | XX | 43606 | Property address considered from Note document on page 217. |
| 200532 |  |  | BPC POST CLOSE: Q2 2025 | Note Date | notePage | 05-XX-2025 | 04/XX/2025 | Note date considered from Note document on page 217. |
| 200535 |  |  | BPC POST CLOSE: Q2 2025 | Property Address | notePage | XX | XX | Property address considered per Note document on page 259. |
| 200535 |  |  | BPC POST CLOSE: Q2 2025 | Note Date | notePage | 05-XX-2025 | 04/XX/2025 | Note date considered per Note document on page 259. |
| 200535 |  |  | BPC POST CLOSE: Q2 2025 | Prepayment Penalty Calculation | notePage | 5%, 4%, 3%, 2%, 1% | 3%, 2%, 1% | Prepayment penalty considered from Note document on page 260. |
| 200573 |  |  | BPC POST CLOSE: Q2 2025 | Property Address | notePage | XX | XX | Property address considered per DSCR Calculation sheet on File Upload/200573/LAD SIGNED |
| 200573 |  |  | BPC POST CLOSE: Q2 2025 | Note Date | notePage | 05-XX-2025 | 04/XX/2025 | Note Date updated as per the Secured Note |
| 200659 |  |  | BPC POST CLOSE: Q2 2025 | Property Address | notePage | XX | XX | Property address matching with all Closing docs. |
| 200659 |  |  | BPC POST CLOSE: Q2 2025 | Note Date | notePage | 06-XX-2025 | 05/XX/2025 | Note date confirmed and updated as per Note doc shows 06/XX/2025. |
| 200660 |  |  | BPC POST CLOSE: Q2 2025 | Property Address | notePage | XX | XX | Property address matching with all Closing docs. |
| 200660 |  |  | BPC POST CLOSE: Q2 2025 | Note Date | notePage | 06-XX-2025 | 05/XX/2025 | Note date confirmed and updated as per Note doc shows 06/XX/2025. |
| 2505158427 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505158795 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 Self Employment Flag should be Yes as per provided documents in file to qualify income.  |
| 2505158795 |  |  | Loanstream NQM June 2025 | Note Date | notePage | 06-XX-2025 | 06/XX/2025 | As per Note doc pg-1404, closing date is 06/XX/2025. |
| 2505158795 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 7.875 | 0.0000 | As per Note doc pg-1404, Interest Rate is 7.875% |
| 2505158795 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 360.81 | 0.00 | True data is correct and verified as per tax cert pg-1507, annual tax amnt is $4,329.67/12=$360.81. Tape data shows null value/$0. Hence confirmed. |
| 2505158795 |  |  | Loanstream NQM June 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag should be No, but tape data is showing as 0.  |
| 2505158795 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 174.42 | 0.00 | True data is correct and verified as per HOI cert pg-1175, annual Premium amnt is $2,093/12=$174.42. Tape data shows null value/$0. Hence confirmed. |
| 2505158795 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.84 | 36.84 | DTI discrepancy is due to income $29,405.12 for each borrower qualified by U/W is less than 1003 income and calculated income $39,113. And all other monthly payments $XX considered by U/W and calculated all other monthly payments $XX. |
| 2505158795 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.11 | 9.54 | HTI discrepancy is due to income $29,405.12 for each borrower qualified by U/W is less than 1003 income and calculated income $39,113. |
| 2505158514 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated borrower received application date as initial application date source. |
| 2505158514 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.22 | 43.36 | Updated all the labilities from recent credit report pg#395, due to changes in monthly payments on liabilities the calculated DTI is showing 41.22%, whereas U/W calculated DTI is 433.36% |
| 2505157947 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505157947 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 864.5 | 0.00 | Monthly Property Tax Amount entered as per tax document, but tape data showing zero. |
| 2505157947 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 173.25 | 0.00 | Total Monthly Property Insurance Amount entered as per hazard document, but tape data showing zero. |
| 2505157250 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505157250 |  |  | Loanstream NQM June 2025 | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Property type considered as per Appraisal report. |
| 2505157250 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.39 | 42.10 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 41.70% but Originator DTI is 42.10%, difference is 0.4%, within the tolerance only. The XX balance as per the Credit report is $11 whereas the "All Other monthly payments" underwriter has considered the total as "$25" on the same. hence there is difference in DTI. |
| 2505157250 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.7 | 41.38 | Audited qualifying monthly income. |
| 2505158385 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 8.25 | 0.0000 | Interest Rate is 8.25% per Note document. |
| 2505158385 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 574.33 | 0.00 | Property Tax Amount per property cert page #694 is $XXXX annually. So Monthly Property Tax Amount will be XXXX |
| 2505158385 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 146.08 | 0.00 | Property Insurance Amount per property Insurance document page #451 is $1,753. So Total Monthly Property Insurance Amount will be $1,753/12 = $146.08 |
| 2505156640 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated borrower received application date as initial application date source. |
| 2505156640 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 747 | 662.42 | Ture data is showing combined monthly insurance from property insurance $662.42 and 2nd insurance $84.58, whereas tape data is showing only property insurance value $662.42 |
| 2506160741 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 04/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (05/XX/2025) & Selected Application source as "Date Creditor Received Application date"  |
| 2506160741 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag verified & updated as per the Final 1003 |
| 2506160741 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 8.499 | 0.0000 | Interest Rate updated as per the Note |
| 2506160741 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 715.4 | 0.00 | Monthly Property Tax Amount of $715.40 updated as per the Tax Cert, Escrow Waiver is in File |
| 2506160741 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 192.67 | 0.00 | Total Monthly Property Insurance Amount of $192.67 updated as per the Ho3 Policy, Escrow Waiver is in File |
| 2506160686 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 Self employment flag considered per loan program & documentation. |
| 2506160686 |  |  | Loanstream NQM June 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | No Mortgage Insurance Flag per loan program & documentation. |
| 2505156791 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (05/XX/2025) & Selected Application source as "Date Creditor Received Application date" |
| 2503152188 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (03/XX/2025) & Selected Application source as "Date Creditor Received Application date"  |
| 2503152188 |  |  | Loanstream NQM June 2025 | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Property Type is Single Family Attached verified & updated as per the Appraisal |
| 2503152188 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 563.45 | 0.00 | Monthly Property Tax Amount of $563.45 updated as per the Tax cert, Escrow Waiver is in File |
| 2503152188 |  |  | Loanstream NQM June 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag is verified to be "No" |
| 2503152188 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 111.25 | 0.00 | Total Monthly Property Insurance Amount of $111.25 updated as per the Ho3 Policy, Escrow Waiver is in File |
| 2503152188 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.67 | 9.95 | DTI difference is 0.28% which is within the variance limit and does not exceed the guideline limit of 50% |
| 2503152188 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 3.93 | 3.91 | HTI difference is 0.02% which is within the variance limit and does not exceed the guideline limit of 50% |
| 2505158300 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 147.17 | 147.48 | Monthly Property Insurance considered per HOI Policy on page 248. |
| 2505158300 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.09 | 43.00 | DTI variance 0.09% less than 1% tolerance due to qualifying Income discrepancy between 1003/1008 XXXX & calculated Income XXXX |
| 2505158300 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 35.05 | 34.98 | Housing ratio variance 0.07% less than 1% tolerance due to qualifying Income discrepancy between 1003/1008 XXXX & calculated Income XXXX |
| 2505158585 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated borrower received application date as initial application date source. |
| 2505158881 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date considered as per the initial 1003 sign date |
| 2505158881 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.28 | 27.25 | Collection account tradeline XXXX considered min 10 dollars resulting minor variance in DTI less than 1% Variance |
| 2505158669 |  |  | Loanstream NQM June 2025 | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | Yes | Borrower1 is Self employed qualified with 12 months personal bank statements. Borrower 1 Executed 4506T is not required per G/L's. |
| 2505158669 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.61 | 128.68 | Qualifying Total Debt Income Ratio match with Originator HTI and in DFL. |
| 2505158669 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 40.49 | 118.76 | Qualifying Housing Debt Income Ratio match with Originator HTI and in DFL. |
| 2504156138 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 04/XX/2025 | Application date updated as per initial 1003 stamped as received date 5/1/2025. |
| 2504156138 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag set to yes as borrower is Self employed. |
| 2504156138 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 186.41 | 77.08 | Total Monthly Property Insurance Shows Combined Premium of HOI and DWELLING INSURANCE POLICY DECLARATIONS premium. Tape data is not including additional policy premium. |
| 2506159458 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application Date updated as per the initial 1003 |
| 2506159458 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 922.92 | 0.00 | Monthly Property Tax Amount updated as per the tax cert. |
| 2506159458 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 184.67 | 0.00 | Total Monthly Property Insurance Amount updated as per the HOI document. |
| 2506159458 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.5 | 32.52 | Revolving account "XX" showing the monthly payment of $46 in final 1003 where as it is in credit report is $41 hence there is DTI mismatch. |
| 2505159033 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (05/XX/2025) & Selected Application source as "Date Creditor Received Application date"  |
| 2505159033 |  |  | Loanstream NQM June 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag is verified to be "No" |
| 2505159033 |  |  | Loanstream NQM June 2025 | CLTV | propertyValuationPage | 79.66 | 90.00 | Tape data CLTV of 90% is calculated using Sales Price Value which is lesser, Confirmed on Diligence Final Look |
| 2505158823 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505158823 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.78 | 32.46 | Qualifying Total Debt Income Ratio discrepancy due to PUD amount in 1008 and final cd showing $132.70, whereas appraisal showing $52.50, Our calculated DTI is 31.78%, originator calculated DTI is 32.46%, difference is 0.68%, within the tolerance only, hence we got difference in DTI. |
| 2505158823 |  |  | Loanstream NQM June 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.25 | 24.92 | Qualifying Housing Debt Income Ratio discrepancy due to PUD amount in 1008 and final cd showing $132.70, whereas appraisal showing $52.50, Our calculated DTI is 24.25%, originator calculated DTI is 24.92%, difference is 0.67%, within the tolerance only, hence we got difference in DTI. |
| 2505158951 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Updated as per the document. |
| 2506159503 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag is yes, Borrower having 100% ownership. |
| 2506159503 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 312.86 | 0.00 | Monthly Property Tax Amount entered as per tax document, but tape data showing zero. Escrow waiver page 325. |
| 2506159503 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 334.42 | 0.00 | Total Monthly Property Insurance Amount entered as per hazard document, but tape data showing zero. Escrow waiver page 325. |
| 2505157663 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Initial 1003 stamped as received date 5/XX/2025 is Date creditor Received Application.  |
| 2504155713 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 04/XX/2025 | Application date considered per Initial 1003 on page 578. |
| 2504155713 |  |  | Loanstream NQM June 2025 | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | Loan Purpose No cash out refinance considered per loan program & documentation. |
| 2505156957 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date updated as per initial 1003 |
| 2505156957 |  |  | Loanstream NQM June 2025 | Interest Rate | notePage | 8.875 | 0.0000 | Interest Rate verified from Note |
| 2505156957 |  |  | Loanstream NQM June 2025 | Monthly Property Tax Amount | titlePage | 396.75 | 0.00 | Monthly Property Tax Amount updated as per tax sheet |
| 2505156957 |  |  | Loanstream NQM June 2025 | CLTV | propertyValuationPage | 87 | 90.00 | True data shows CLTV based on appraised value, calculated CLTV is 90% based on sales price. |
| 2505156957 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 244.59 | 0.00 | Total Monthly Property Insurance Amount updated as per HOI doc |
| 2505158400 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 44.3 | 43.45 | As per the note document P&I amount is $2,359.73 where as it is in 1008 document $2,302.57 due to that HTI mismatch. |
| 2505158400 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.68 | 43.82 | As per the note document P&I amount is $2,359.73 where as it is in 1008 document $2,302.57 due to that DTI mismatch. |
| 2505157546 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505158867 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag is verified & updated as per the Final 1003 |
| 2505158867 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (05/XX/2025) & Selected Application source as "Date Creditor Received Application date" |
| 2505158867 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 1655.37 | 0.00 | Monthly Property Tax Amount of $XXXX is updated as per the Tax Cert, Escrow Waiver is in File |
| 2505158867 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 508.56 | 0.00 | Total Monthly Property Insurance Amount of $508.56 is updated as per the Ho3 Policy, Escrow Waiver is in File |
| 2505158867 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.63 | 44.64 | Audit DTI is 44.6349%. Difference is due merely to rounding. |
| 2506160143 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Initial 1003 stamped as received date 06/XX/2025 is Date creditor Received Application.  |
| 2506160143 |  |  | Loanstream NQM July 2025 | Interest Rate | notePage | 8.499 | 0.0000 | Interest Rate 8.499% verified from Note document. |
| 2506160143 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 781.25 | 0.00 | Monthly Property Tax Amount verified in Tax cert pg#490 |
| 2506160143 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 354.08 | 0.00 | Total Monthly Property Insurance Amount verified in pg#351 |
| 2506160143 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.82 | 13.86 | All other monthly payments variance due to a credit report different, resulted in DTI variance. |
| 2502147297 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 02-XX-2025 | 02/XX/2025 | Updated borrower received application date as initial application date source. |
| 2506159900 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application Date updated as per the initial 1003 |
| 2506159900 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 2458.33 | 0.00 | Monthly Property Tax Amount updated as per the tax cert. |
| 2506159900 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 618.42 | 0.00 | Total Monthly Property Insurance Amount updated as per the HOI document |
| 2506159900 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.29 | 42.30 | As per the 1008 on page# 737 we have the tax annual amount (XXXX) due to this there is a DTI Mismatch. |
| 2505158799 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.44 | 39.04 | DTI 40.44% matches the 1008 |
| 2505158799 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 36.35 | 35.09 | HTI 36.35% matches the 1008 |
| 2505157787 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 05/XX/2025. |
| 2505157787 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.17 | 49.70 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 49.17% but Originator DTI is 49.70%, difference is 0.53% within the tolerance only. The XX #XX, XX #XX, XX amount has been decreased from Final 1003 to credit report. hence there is difference in DTI. |
| 7000133250 |  |  | Kind Lending July 2025 | Prepayment Penalty Type | notePage | Hard | 3 | Fixed 5% PPP for 3 years. |
| 7000133250 |  |  | Kind Lending July 2025 | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR file. |
| 7000133250 |  |  | Kind Lending July 2025 | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2912.55 | 2379.27 | Escrow waiver file. |
| 7000133250 |  |  | Kind Lending July 2025 | Calculated DSCR | diligenceFinalLookPage | 0.893 | 0.75 | DSCR lines up with updated DSCR worksheet provided in findings. .893 |
| 2506159767 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Borrower signed 6/XX/2025 |
| 2506159767 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.48 | 32.39 | Audited Income/DTI. |
| 2506159767 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 37.54 | 31.60 | Audited Income/DTI. |
| 2506159330 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application date entered as per initial 1003, as per guidelines considered date received application date, but tape data showing 06/XX/2025. |
| 2506159330 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 1369 | 0.00 | Monthly Property Tax Amount entered as per tax document, but tape data showing zero. |
| 2506159330 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 279.5 | 0.00 | Total Monthly Property Insurance Amount entered as per hazard document, but tape data showing zero. |
| 2506160707 |  |  | Loanstream NQM July 2025 | CLTV | propertyValuationPage | 88.31 | 90.00 | Updated all entries and valuations as per documents |
| 2506160707 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Updated as per the Initial 1003 |
| 2506160041 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Initial 1003 stamped as received date 06/XX/2025 is Date creditor Received Application.  |
| 2506160041 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 2187.5 | 0.00 | Updated Monthly Property Tax Amount using Property tac cert. |
| 2506160041 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 643.67 | 0.00 | Updated Total Monthly Property Insurance Amount using Property Insurance document. |
| 2506160041 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 35.77 | 35.11 | Variance due to addition of PUD HOA amount $299. |
| 2506160041 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.76 | 45.26 | Variance due to addition of PUD HOA amount $299. |
| 2506160970 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 is self-Employment |
| 2506160970 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 26.3 | 26.29 | Calculated income for XX is XXXX in 1003. |
| 2506160970 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.85 | 27.61 | Calculated income for XX is $8,628.10 vs $8,634.77 in 1003. All other monthly payments calculated per CBR is $231 vs $193 in final1003, 1008 excluding Net rental of $29.60 however DTI is within guideline limit of 50% |
| 2506159628 |  |  | Loanstream DSCR July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application date considered as per the initial 1003 sign date |
| 2506159628 |  |  | Loanstream DSCR July 2025 | Interest Rate | notePage | 8.999 | 0.0000 | Interest rate verified per Note document |
| 2506159628 |  |  | Loanstream DSCR July 2025 | Monthly Property Tax Amount | titlePage | 312.4 | 0.00 | Taxes verified per tax document and is matching with closing docs |
| 2506159628 |  |  | Loanstream DSCR July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 131.92 | 0.00 | Insurance premium verified per hazard document and is matching with closing docs |
| 2506161261 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | B1 Self Employment Flag should be NO as per provided documents in file to qualify income.  |
| 2506161261 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | As per initial 1003, LO signed on 06/XX/2025 whereas borrower signed and print date is on 06/XX/2025. Hence Application Date will be '06/XX/2025' and Application Date Source will be 'Date Creditor Received Application'.  |
| 2506161261 |  |  | Loanstream NQM July 2025 | Mortgage Insurance Flag | disclosuresPage | No | 0 | Mortgage Insurance Flag should be No, but tape data is showing as 0.  |
| 2506161261 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.44 | 49.92 | DTI discrepancy is due to All Other Monthly Payments Used in Qualifying considered by U/W is $734.07 whereas calculated All Other Monthly Payments Used in Qualifying is $708.41. |
| 2506160828 |  |  | Loanstream DSCR August 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Updated borrower received application date as initial application date source. |
| 2506160828 |  |  | Loanstream DSCR August 2025 | Interest Rate | notePage | 6.999 | 0.0000 | Final rate of 6.999%, updated as per final note document |
| 2506160828 |  |  | Loanstream DSCR August 2025 | Monthly Property Tax Amount | titlePage | 131.82 | 0.00 | Monthly tax amount updated as per Tax information sheet, tape data is showing $0.00<br>|
| 2506160828 |  |  | Loanstream DSCR August 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 52.67 | 0.00 | Monthly HOI Premium updated as per HOI policy, tape data is showing $0.00 |
| 2505158682 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date considered as per the initial 1003 borrower sign date |
| 2505158682 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 949.3 | 0.00 | taxes verified per tax cert and is correct |
| 2505158682 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 223.76 | 0.00 | Insurance premium verified per hazard doc and is correct |
| 7000138902 |  |  | Kind Lending July 2025 | Note Date | notePage | 07-XX-2025 | 07/XX/2025 | Note date verified from Note document |
| 7000138902 |  |  | Kind Lending July 2025 | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 7000138902 |  |  | Kind Lending July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.69 | 4.67 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 4.69% but Tape data DTI is 4.67%. Variance is 0.02 within tolerance. |
| 2506159490 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Updated as per 1003 Document of Initial App |
| 2506159200 |  |  | Loanstream DSCR July 2025 | Interest Rate | notePage | 7.499 | 0.0000 | Interest Rate is 7.499% per Note document. |
| 2506159200 |  |  | Loanstream DSCR July 2025 | Monthly Property Tax Amount | titlePage | 48.09 | 0.00 | Updated per Tax cert pg#309 |
| 2506159200 |  |  | Loanstream DSCR July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 125.79 | 0.00 | Updated per Hazard Insurance pg#152 |
| 2506160340 |  |  | Loanstream DSCR July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (06/XX/2025) & Selected Application source as "Date Creditor Received Application date"  |
| 2506160340 |  |  | Loanstream DSCR July 2025 | Interest Rate | notePage | 6.999 | 0.0000 | Interest Rate of 6.999% updated as per the Note |
| 2506160340 |  |  | Loanstream DSCR July 2025 | Monthly Property Tax Amount | titlePage | 304.65 | 0.00 | Monthly Property Tax Amount of $304.65 updated as per the Tax Cert, True data is correct |
| 2506160340 |  |  | Loanstream DSCR July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 92.67 | 0.00 | Total Monthly Property Insurance Amount of $92.67 updated as per the Ho3 Policy, True data is correct |
| 2505158876 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date 5/XX/2025 considered as per the initial 1003 borrower sign date. |
| 2505158876 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 508.13 | 0.00 | Taxes verified per tax cert and title and is correct. Escrow waiver page 395. |
| 2505158876 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 414.16 | 0.00 | Property insurance verified per hazard and is correct. Escrow waiver page 395. |
| 2505158876 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.51 | 6.94 | Primary residence taxes are $2,533.54/12 = 211.128 whereas 1008 has incorrect amount of $33.38 resulting HTI and DTI variance-finding added for 1008. Subject taxes calculated is $6,097.56/12 = $508.13 per page#691, 699 whereas per Lender sheet on page#732 taxes are $878.33 making impact on negative cash flow from $1,114.24 in 1008 vs $-1,114.04 calculated. (3,500\*75%-$3,769.04 = $1,114.24). Variance of 0.43 is acceptable. |
| 2505158876 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0.41 | 0.06 | Primary residence taxes are $2,533.54/12 = 211.128 whereas 1008 has incorrect amount of $33.38 resulting HTI and DTI variance of 0.35. |
| 2506160428 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application date considered per Initial 1003 on page 678. |
| 2506160428 |  |  | Loanstream NQM July 2025 | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Units | Property type considered per appraisal report. |
| 2506160428 |  |  | Loanstream NQM July 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | No Mortgage Insurance per loan program & documentation. |
| 2506160358 |  |  | Loanstream DSCR July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application Date updated as per the initial 1003 |
| 2506160358 |  |  | Loanstream DSCR July 2025 | Interest Rate | notePage | 6.875 | 0.0000 | Interest Rate updated as per the Note document. |
| 2506160358 |  |  | Loanstream DSCR July 2025 | Monthly Property Tax Amount | titlePage | 302.27 | 0.00 | Monthly Property Tax Amount updated as per the tax cert. |
| 2506160358 |  |  | Loanstream DSCR July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 85.75 | 0.00 | Total Monthly Property Insurance Amount updated as per the HOI document. |
| 2505158851 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 is self employed |
| 2505158851 |  |  | Loanstream NQM July 2025 | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | Yes | B1 has no wage income and 4506 in file |
| 2505158851 |  |  | Loanstream NQM July 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.15 | 20.34 | B2 wage income Lowest coming at XXXX (Conservative) with YTD+ 2yr average vs 1003 income of $XXXX resulting HTI and DTI variance but well within Guideline limit of 50% for 04/17/25-matrix |
| 2505158851 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.11 | 43.40 | B2 wage income Lowest coming at XXXX (Conservative) with YTD+ 2yr average vs 1003 income of $XXXX resulting HTI and DTI variance but well within Guideline limit of 50% for 04/17/25-matrix |
| 2504155934 |  |  | Loanstream DSCR July 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 04/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (05/XX/2025) & Selected Application source as "Date Creditor Received Application date" |
| 2504155934 |  |  | Loanstream DSCR July 2025 | Mortgage Insurance Flag | disclosuresPage | No | 0 | Mortgage Insurance Flag is verified to be "No" |
| 2504155934 |  |  | Loanstream DSCR July 2025 | CLTV | propertyValuationPage | 82.17 | 85.00 | Tape data CLTV of 85% is calculated using Sales Price Value which is lesser, True data is incorrect |
| 2506160170 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Initial 1003 stamped as received date 06/XX/2025 is Date creditor Received Application.  |
| 2506160170 |  |  | Loanstream NQM July 2025 | Monthly Property Tax Amount | titlePage | 460.5 | 0.00 | Monthly Property Tax Amount updated per Tax cert pg#1112 |
| 2506160170 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 294.05 | 0.00 | Total Monthly Property Insurance Amount includes Hazard Insurance + Flood Insurance = $225.3+$68.75 = $294.05 |
| 2506160170 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.72 | 35.66 | Variance of DTI due to All other monthly payments difference. 1008: 29,316.66 but calculated is $22,486.66 per credit report and Other REO net rental loss. |
| 2506159874 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | As per initial 1003, LO signed on 06/XX/2025 whereas borrower signed on 06/XX/2025. Hence Application Date will be '06/XX/2025' and Application Date Source will be 'Date Creditor Received Application'.  |
| 2506159874 |  |  | Loanstream NQM July 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag should be No, but tape data is showing as 0.  |
| 7000137159 |  |  | Kind Lending July 2025 | Qualifying FICO | creditLiabilitiesPage | 740 | 687 | Per GL 3.1.10- B1 with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 considered the B2 score. |
| 7000137159 |  |  | Kind Lending July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.56 | 40.43 | Audit DTI is 40.56%. Lender's DTI of 40.43%. Within tolerance. |
| 7000138961 |  |  | Kind Lending July 2025 | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 months bank statements are used for B1 income calculation. |
| 2506160990 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 is self employed |
| 2506160990 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application date considered as per the initial 1003 sign date |
| 2506160990 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.57 | 36.27 | Tradeline XX XX XX has payment of $783 in CBR vs $1,717 in 1003 resulting in TDI variance but well within guideline limit of 45% DTI per 04/17/25 matrix |
| 2506160743 |  |  | Loanstream NQM July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.81 | 30.49 | DTI variance as Note document is missing to verify the P&I. Finding open for Note document missing. |
| 7000138313 |  |  | Kind Lending July 2025 | Note Date | notePage | 07-XX-2025 | 07/XX/2025 | Tape considered the disbursement date as note date. |
| 7000138313 |  |  | Kind Lending July 2025 | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1646.2 | 1619.12 | PUD property with month HOA amount of $27.08 and It's not escrows.  |
| 7000138313 |  |  | Kind Lending July 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.07 | 31.00 | Lender captured debts from the Gap Credit Report; Audit captured debts from the Initial Credit Report. |
| 2506160549 |  |  | Loanstream NQM July 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date (06/XX/2025) & Selected Application source as "Date Creditor Received Application date"  |
| 2506160549 |  |  | Loanstream NQM July 2025 | Mortgage Insurance Flag | disclosuresPage | No | 0 | Mortgage Insurance Flag is verified to be "No" |
| 2506160549 |  |  | Loanstream NQM July 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 279.83 | 191.25 | Total Monthly Property Insurance Amount of $279.83 reflects on true data is included with other insurance monthly premium amount of $88.58 |
| 2506161184 |  |  | Loanstream DSCR July 2025 | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Units | Property type as per appraisal doc shows 2-4 Units. |
| 2506161184 |  |  | Loanstream DSCR July 2025 | CLTV | propertyValuationPage | 78.86 | 80.00 | CLTV Confirmed and matching in DLF Screen. |
| 2504153233 |  |  | Loanstream NQM July 2025 | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | Loan Purpose considered per loan program & documentation. |
| 2504153233 |  |  | Loanstream NQM July 2025 | Property Address | notePage | XX | XX | Property address considered per Note on page 453. |
| 2504153233 |  |  | Loanstream NQM July 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 Self-employment considered per 12 months bank statement. |
| 2504153233 |  |  | Loanstream NQM July 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | No Mortgage Insurance per loan program & documentation. |
| 2506162094 |  |  | Loanstream NQM August 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Initial 1003 stamped as received date 06/XX/2025 is Date creditor Received Application.  |
| 2506162094 |  |  | Loanstream NQM August 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.93 | 48.38 | DTI variance due to difference of $95 in All other monthly payments. |
| 2506161306 |  |  | Loanstream DSCR August 2025 | Application Date | complianceDetailPage | 07-XX-2025 | 06/XX/2025 | Initial 1003 stamped as received date 07/XX/2025 is Date creditor Received Application.  |
| 2506161306 |  |  | Loanstream DSCR August 2025 | Monthly Property Tax Amount | titlePage | 241.17 | 241.20 | Monthly Property Tax Amount verified in Tax cert pg#376 |
| 2505158994 |  |  | Loanstream NQM August 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | updated as per the document |
| 2505158994 |  |  | Loanstream NQM August 2025 | Interest Rate | notePage | 10.375 | 0.0000 | updated as per the Note document |
| 2505158994 |  |  | Loanstream NQM August 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | No and 0 represents same. |
| 2505158994 |  |  | Loanstream NQM August 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 136.42 | 0.00 | updated as per the insurance document |
| 2505158994 |  |  | Loanstream NQM August 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.89 | 23.87 | As per review the Total monthly liabilities is $2793.16 whereas our calculated liabilities with supplement report details is $ which is difference of $ and DTI variance is currently 1.18%, need clarification from UW on the income and DTI consideration |
| 2505158994 |  |  | Loanstream NQM August 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 12.08 | 12.06 | updated as per the credit report document. |
| 2505158994 |  |  | Loanstream NQM August 2025 | Monthly Property Tax Amount | titlePage | 350.5 | 0.00 | updated as per the Tax document verification |
| 2506161153 |  |  | Loanstream DSCR August 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | As per initial 1003, LO signed on 06/XX/2025 whereas borrower signed on 06/XX/2025. Hence Application Date will be '06/XX/2025' and Application Date Source will be 'Date Creditor Received Application'.  |
| 2506161153 |  |  | Loanstream DSCR August 2025 | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Property Type - Single Family Attached is verified and confirmed as per provided appraisal report. But tape data reflecting Property Type as Single Family Detached. |
| 2506161153 |  |  | Loanstream DSCR August 2025 | Mortgage Insurance Flag | disclosuresPage | No | 0 | Mortgage Insurance Flag should be No, but tape data is showing as 0.  |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Application Date | complianceDetailPage | 06-XX-2025 | 06/XX/2025 | Application Date updated as per the initial 1003 |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Property Type | propertyValuationPage | Townhouse | PUD | Property type is PUD Semi-Detached as per the Appraisal hence updated the Townhouse. |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Interest Rate | notePage | 6.75 | 0.0000 | Interest rate updated as per the Note document |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Primary Appraised Property Value | propertyValuationPage | XX | XX | Appraisal value as per the appraisal is $XX |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Monthly Property Tax Amount | titlePage | 228.37 | 0.00 | Monthly Property Tax Amount updated as per the tax cert. |
| 2506160718 |  |  | Loanstream DSCR August 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 59 | 0.00 | Total Monthly Property Insurance Amount updated as per the HOI document. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Property Type | propertyValuationPage | Townhouse | PUD | Property type considered per appraisal report. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Interest Rate | notePage | 6.75 | 0.0000 | Interest rate considered per Note document on page 293. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | No Mortgage Insurance per loan program & documentation. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Monthly Property Tax Amount | titlePage | 50.48 | 0.00 | Property tax amount considered per tax cert on page 393. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 59 | 0.00 | Property Insurance considered per HOI Policy on page 195. |
| 2506160722 |  |  | Loanstream DSCR August 2025 | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 153.96 | DSCR Program, no DTI/HTI. |
| 2503152334 |  |  | Loanstream NQM May 2025 | Application Date | complianceDetailPage | 03-XX-2025 | 03/XX/2025 | Application Date updated as per the initial 1003 |
| 2504152671 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 04-XX-2025 | 03/XX/2025 | Initial 1003 stamped as received date 04/XX/2025 is Date creditor Received Application.  |
| 2504152671 |  |  | Loanstream NQM June 2025 | Total Monthly Property Insurance Amount | propertyInsurancePage | 428.17 | 428.60 | Total Monthly Property Insurance Amount match. decimal ronding issue. |
| 2504152671 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.1 | 13.20 | DTI difference of 0.10% due to All other monthly payments. |
| 2505157260 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application Date updated as per initial  |
| 2505157260 |  |  | Loanstream NQM June 2025 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.9 | 40.60 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 40.9% but Originator DTI is 40.60%. Variance is 0.3 due to the difference in tradeline XX XX #XX reflecting $XX in final 1003 but in credit report its reflecting $XX updated as per credit report. |
| 2505157263 |  |  | Loanstream NQM June 2025 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 Self Employed Flag considered per loan program & documentation. |
| 2505157263 |  |  | Loanstream NQM June 2025 | Application Date | complianceDetailPage | 05-XX-2025 | 05/XX/2025 | Application date considered from Initial 1003 on page 533. |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 132503008 |  |  | $XXX A D |
| 132504064 |  |  | $XXX A D C B |
| 112504099 |  |  | $XXX C D A |
| 112503006 |  |  | $XXX A |
| 132504183 |  |  | $XXX A D |
| 132504250 |  |  | $XXX A D |
| 132504068 |  |  | $XXX A D |
| 112504126 |  |  | $XXX B C A |
| 2504154376 |  |  | $XXX A |
| 132504326 |  |  | $XXX C A |
| 112504244 |  |  | $XXX C A |
| 132504236 |  |  | $XXX A D |
| 132504272 |  |  | $XXX C D A B |
| 2503151758 |  |  | $XXX A |
| 2504155656 |  |  | $XXX A |
| 2505156258 |  |  | $XXX A |
| 142503998 |  |  | $XXX A |
| 132503871 |  |  | $XXX A |
| 112504245 |  |  | $XXX D A B |
| 132504336 |  |  | $XXX C D A |
| 132504266 |  |  | $XXX A D |
| 132504123 |  |  | $XXX A D |
| 162504107 |  |  | $XXX C A B |
| 2504155163 |  |  | $XXX D A |
| 2505156372 |  |  | $XXX B C A |
| 132504279 |  |  | $XXX A D |
| 112504191 |  |  | $XXX A |
| 112504059 |  |  | $XXX A D |
| 132504299 |  |  | $XXX B D A |
| 162503824 |  |  | $XXX D A |
| 2504153931 |  |  | $XXX C A |
| 112504302 |  |  | $XXX D A |
| 162505375 |  |  | $XXX A D |
| 132504220 |  |  | $XXX D A |
| 112504297 |  |  | $XXX A |
| 132503896 |  |  | $XXX A |
| 132504310 |  |  | $XXX C D A |
| 2504154705 |  |  | $XXX A |
| 2505157232 |  |  | $XXX D A |
| 142504338 |  |  | $XXX A D |
| 132504258 |  |  | $XXX A D |
| 2505156906 |  |  | $XXX C A |
| 2505156320 |  |  | $XXX C D A |
| 2504154930 |  |  | $XXX C A B |
| 2505158088 |  |  | $XXX C A |
| 2505157767 |  |  | $XXX A |
| 2505156823 |  |  | $XXX C D A |
| 112503799 |  |  | $XXX A D |
| 2503151055 |  |  | $XXX C A |
| 2504155570 |  |  | $XXX D A |
| 2505158631 |  |  | $XXX A C |
| 2505158302 |  |  | $XXX D A |
| 2505156214 |  |  | $XXX A C |
| 2505157206 |  |  | $XXX D A |
| 2505158438 |  |  | $XXX D C A |
| 2505157297 |  |  | $XXX D A |
| 2504155043 |  |  | $XXX A |
| 2505157254 |  |  | $XXX D A |
| 2505158496 |  |  | $XXX A D |
| 2506159269 |  |  | $XXX C D A |
| 200532 |  |  | $XXX D A |
| 200535 |  |  | $XXX D A |
| 200573 |  |  | $XXX D B A |
| 200659 |  |  | $XXX A |
| 200660 |  |  | $XXX A |
| 2505158427 |  |  | $XXX B C A |
| 2505158795 |  |  | $XXX A |
| 2505158514 |  |  | $XXX C A |
| 2505157947 |  |  | $XXX A C |
| 2505157250 |  |  | $XXX A |
| 2505158385 |  |  | $XXX A C |
| 2505156640 |  |  | $XXX A |
| 2506160741 |  |  | $XXX A D |
| 2506160686 |  |  | $XXX A |
| 2505156791 |  |  | $XXX A |
| 2503152188 |  |  | $XXX D A |
| 2505158300 |  |  | $XXX A |
| 2505158585 |  |  | $XXX A |
| 2505158881 |  |  | $XXX A |
| 2505158669 |  |  | $XXX D A B |
| 2504156138 |  |  | $XXX A |
| 2506159458 |  |  | $XXX D C A |
| 2505159033 |  |  | $XXX A C |
| 2505158823 |  |  | $XXX A |
| 2505158951 |  |  | $XXX A |
| 2506159503 |  |  | $XXX D A |
| 2505159067 |  |  | $XXX D C A |
| 2505157663 |  |  | $XXX D A |
| 2504155713 |  |  | $XXX C A |
| 2505156957 |  |  | $XXX C D A |
| 2505158400 |  |  | $XXX D A B |
| 2505157546 |  |  | $XXX A C |
| 2505158867 |  |  | $XXX C A |
| 2506160143 |  |  | $XXX C A |
| 2502147297 |  |  | $XXX D A |
| 2506159900 |  |  | $XXX D C A |
| 2505158799 |  |  | $XXX D A |
| 132504320 |  |  | $XXX C D A |
| 2505157787 |  |  | $XXX C A |
| 7000133250 |  |  | $XXX D A |
| 2506159767 |  |  | $XXX D A |
| 2506159330 |  |  | $XXX A |
| 2506160707 |  |  | $XXX A |
| 2506160041 |  |  | $XXX A |
| 2506160970 |  |  | $XXX A D |
| 2506159628 |  |  | $XXX A |
| 2506161261 |  |  | $XXX D A |
| 2506160828 |  |  | $XXX A |
| 2505158682 |  |  | $XXX C A B |
| 7000138902 |  |  | $XXX A |
| 2506159490 |  |  | $XXX A |
| 7000137760 |  |  | $XXX C D A B |
| 2506159200 |  |  | $XXX D A |
| 2506160340 |  |  | $XXX A |
| 2506159447 |  |  | $XXX A |
| 2505158876 |  |  | $XXX A C |
| 2506160428 |  |  | $XXX A |
| 2506160358 |  |  | $XXX A |
| 2505158851 |  |  | $XXX D A |
| 2504155934 |  |  | $XXX A |
| 2506160170 |  |  | $XXX C A |
| 2506159874 |  |  | $XXX C D A |
| 7000137159 |  |  | $XXX D A |
| 7000138961 |  |  | $XXX C D A |
| 2506160990 |  |  | $XXX C A |
| 2506160743 |  |  | $XXX D A |
| 7000138313 |  |  | $XXX A D |
| 2506160549 |  |  | $XXX A |
| 2506161184 |  |  | $XXX A |
| 2504153233 |  |  | $XXX C A |
| 2506162094 |  |  | $XXX A |
| 2506161306 |  |  | $XXX C D A |
| 2505158012 |  |  | $XXX A |
| 2505158994 |  |  | $XXX A C |
| 2506161153 |  |  | $XXX A |
| 2506160718 |  |  | $XXX D A |
| 2506160722 |  |  | $XXX A |
| 2503152334 |  |  | $XXX C A |
| 2504154875 |  |  | $XXX A C |
| 2504152671 |  |  | $XXX C A |
| 2505157260 |  |  | $XXX A |
| 2505157263 |  |  | $XXX A C |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XX | 132503008 |  |  | Closed | 2025-04-29 09:48 | 2025-05-02 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide Intiial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-05/02/2025<br>| XX Tracking.pdf<br> XX CD.pdf<br> XX CC.pdf |  |  | MD | Primary Residence | Purchase | NA | 3989428 | N/A | N/A |
| XX | 132503008 |  |  | Closed | 2025-05-02 13:27 | 2025-05-02 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.976%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 342 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 370. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 411 and copy of the appraisal was given to the borrower – see page 51. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.976%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 342 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 370. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 411 and copy of the appraisal was given to the borrower – see page 51. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4026314 | N/A | N/A |
| XX | 132503008 |  |  | Closed | 2025-05-02 13:27 | 2025-05-02 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.976%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 342 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 370. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 411 and copy of the appraisal was given to the borrower – see page 51. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 |  | Resolved-The loan's (8.976%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 342 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 370. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 411 and copy of the appraisal was given to the borrower – see page 51. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4026315 | N/A | N/A |
| XX | 132504064 |  |  | Closed | 2025-05-08 16:27 | 2025-05-08 16:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the COC was provided for the increase in fees. - Due Diligence Vendor-05/08/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/08/2025 |  | Resolved-the COC was provided for the increase in fees. - Due Diligence Vendor-05/08/2025<br>|  |  |  | IL | Second Home | Purchase | NA | 4083207 | N/A | N/A |
| XX | 132504064 |  |  | Closed | 2025-05-08 16:27 | 2025-05-08 16:31 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved-The services were corrected to "other" to correct the fail. - Due Diligence Vendor-05/08/2025 <br>Open-There are ($60.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-05/08/2025 |  | Resolved-The services were corrected to "other" to correct the fail. - Due Diligence Vendor-05/08/2025<br>|  |  |  | IL | Second Home | Purchase | NA | 4083208 | N/A | N/A |
| XX | 132504064 |  |  | Closed | 2025-05-01 11:05 | 2025-05-08 16:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the Initial CD's - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-TRID: Missing Closing Disclosure initial Closing Disclosure is missing in file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Received the Initial CD's - Due Diligence Vendor-05/08/2025<br>| XX Tracking.pdf<br> XX CC.pdf<br> XX CD.pdf |  |  | IL | Second Home | Purchase | NA | 4012939 | N/A | N/A |
| XX | 132504064 |  |  | Closed | 2025-05-01 15:24 | 2025-05-08 16:08 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived- Exception approved - Due Diligence Vendor-05/08/2025 <br>Ready for Review-ACC approves exception. Ok to proceed. - Seller-05/07/2025 <br>Open-Exception page No#349<br> Exception for "Subject Property " - Due Diligence Vendor-05/01/2025 | Ready for Review-ACC approves exception. Ok to proceed. - Seller-05/07/2025<br>| Waived- Exception approved - Due Diligence Vendor-05/08/2025<br>|  |  | 1. Credit Score is 756. Minimum required per guidelines is 740.<br> 2. Residual Income is $8804.09. Minimum Residual Income required per guidelines is $1500. <br> 3. Borrower(s) have 12.37 months Reserves. Minimum required per guidelines is 3 months. | IL | Second Home | Purchase | NA | 4015881 | Originator Pre-Close | Yes |
| XX | 112504099 |  |  | Closed | 2025-05-08 14:05 | 2025-05-12 12:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/12/2025 <br>Resolved-Received wire transfer receipt for Gift Funds iao $20,600 - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Wire attached. - Seller-05/09/2025 <br>Open-Asset 6 Does Not Meet Guideline Requirements Per Matrix, when the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation for Gift Funds iao $20,600 - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Wire attached. - Seller-05/09/2025<br>| Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/12/2025 <br>Resolved-Received wire transfer receipt for Gift Funds iao $20,600 - Due Diligence Vendor-05/12/2025<br>| Gift Wire.pdf |  |  | CA | Primary Residence | Purchase | NA | 4080746 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-12 12:35 | 2025-05-12 12:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 247 and the Final Closing disclosure on page 127 reflects escrows. Rate lock date was entered correctly – see page 266. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page Initial Disc page 81 and copy of the appraisal was given to the borrower – see page 100. The loan meets HPML guidelines. - Due Diligence Vendor-05/12/2025 <br>Open-The loan's (9.254%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) .. - Due Diligence Vendor-05/12/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 247 and the Final Closing disclosure on page 127 reflects escrows. Rate lock date was entered correctly – see page 266. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page Initial Disc page 81 and copy of the appraisal was given to the borrower – see page 100. The loan meets HPML guidelines. - Due Diligence Vendor-05/12/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4111029 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-12 12:35 | 2025-05-12 12:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 247 and the Final Closing disclosure on page 127 reflects escrows. Rate lock date was entered correctly – see page 266. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page Initial Disc page 81 and copy of the appraisal was given to the borrower – see page 100. The loan meets HPML guidelines. - Due Diligence Vendor-05/12/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.254%) equals or exceeds the California HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/12/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 247 and the Final Closing disclosure on page 127 reflects escrows. Rate lock date was entered correctly – see page 266. An interior and exterior appraisal was completed for this property – see page 21, the appraisal disclosure was provided to the borrower(s)- see page Initial Disc page 81 and copy of the appraisal was given to the borrower – see page 100. The loan meets HPML guidelines. - Due Diligence Vendor-05/12/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4111028 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-07 05:29 | 2025-05-12 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, Revised CD, COC and Disclosure Tracking received - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025<br>| Resolved-Initial CD, Revised CD, COC and Disclosure Tracking received - Due Diligence Vendor-05/12/2025<br>| Disclosure Tracking.pdf<br>4.16 CD.pdf<br>4.17 CD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4065179 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-07 05:30 | 2025-05-09 14:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-05/09/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-05/07/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-05/09/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4065181 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-08 14:12 | 2025-05-09 13:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-05/09/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/09/2025 <br>Open-The Initial 1003 is Missing Provide signed Initial 1003 - Due Diligence Vendor-05/08/2025 |  | Resolved-Initial 1003 received - Due Diligence Vendor-05/09/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/09/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4080838 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-07 05:26 | 2025-05-09 13:55 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABAD received - Due Diligence Vendor-05/09/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-05/07/2025 |  | Resolved-ABAD received - Due Diligence Vendor-05/09/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4065166 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-07 05:27 | 2025-05-09 13:54 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Signed Intent to Proceed Disclosure received - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/08/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Signed Intent to Proceed Disclosure received - Due Diligence Vendor-05/09/2025<br>| XX Disc.pdf |  |  | CA | Primary Residence | Purchase | NA | 4065167 | N/A | N/A |
| XX | 112504099 |  |  | Closed | 2025-05-07 07:38 | 2025-05-09 13:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-05/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/09/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-05/07/2025 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-05/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/09/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4065737 | N/A | N/A |
| XX | 132504183 |  |  | Closed | 2025-05-13 14:22 | 2025-05-14 11:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/14/2025 <br>Resolved-Addendum to Note received - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025 <br>Open-The Note is Incomplete Provide Addendum to Note - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-05/14/2025 <br>Resolved-Addendum to Note received - Due Diligence Vendor-05/14/2025<br>| Addendum.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 4126224 | N/A | N/A |
| XX | 132504250 |  |  | Closed | 2025-05-19 16:34 | 2025-05-20 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised LE dated 5/1/2025 and COC dated 4/30/2025, Initial CD dated 5/2/2025 with Disclosure Tracking Summary - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-TRID: Missing Closing Disclosure Provide Executed Initial Closing and Disclosure Tracking Summary - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-Received Revised LE dated 5/1/2025 and COC dated 4/30/2025, Initial CD dated 5/2/2025 with Disclosure Tracking Summary - Due Diligence Vendor-05/20/2025<br>| XX Tracking.pdf<br> XX CC.pdf<br> XX CD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4179855 | N/A | N/A |
| XX | 132504250 |  |  | Closed | 2025-05-15 12:20 | 2025-05-19 16:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.644%) equals or exceeds the California HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 396, and confirmation the appraisal was delivered to the borrower – see Pg#'s 105. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.644%) equals or exceeds the California HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 396, and confirmation the appraisal was delivered to the borrower – see Pg#'s 105. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4148374 | N/A | N/A |
| XX | 132504250 |  |  | Closed | 2025-05-15 12:20 | 2025-05-19 16:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.644%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 396, and confirmation the appraisal was delivered to the borrower – see Pg#'s 105. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025 |  | Resolved-The loan's (8.644%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 396, and confirmation the appraisal was delivered to the borrower – see Pg#'s 105. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4148375 | N/A | N/A |
| XX | 132504068 |  |  | Closed | 2025-05-22 20:42 | 2025-05-22 20:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _448___ and the Final Closing disclosure on Pg#'s _235___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _findings____ An interior and exterior appraisal was completed for this property – see pg __54__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_533__ , and copy of the appraisal was given to the borrower – see Pg#'s __403___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/22/2025 <br>Open-The loan's (9.731%) APR equals or exceeds the Federal HPML threshold of (8.2%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/22/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _448___ and the Final Closing disclosure on Pg#'s _235___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _findings____ An interior and exterior appraisal was completed for this property – see pg __54__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_533__ , and copy of the appraisal was given to the borrower – see Pg#'s __403___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/22/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4220724 | N/A | N/A |
| XX | 132504068 |  |  | Closed | 2025-05-13 12:14 | 2025-05-22 20:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD was provided - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the XXXX. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-The initial CD was provided - Due Diligence Vendor-05/22/2025<br>| XX Tracking.pdf<br> XX CC.pdf<br> XX CD.pdf |  |  | GA | Primary Residence | Purchase | NA | 4124641 | N/A | N/A |
| XX | 132504068 |  |  | Closed | 2025-05-20 00:19 | 2025-05-22 20:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/22/2025<br>| XX Lock.pdf |  |  | GA | Primary Residence | Purchase | NA | 4186165 | N/A | N/A |
| XX | 112504126 |  |  | Closed | 2025-05-12 11:52 | 2025-05-19 13:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved- Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved- Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/19/2025<br>| Disclosure Tracking.pdf<br>CD.pdf |  |  | NJ | Primary Residence | Purchase | NA | 4110569 | N/A | N/A |
| XX | 112504126 |  |  | Closed | 2025-05-15 12:25 | 2025-05-15 12:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Borrower Type ineligible per program guidelines. Exception Approved <br> Exception Document page 488<br> Exception Reason: Other- Borrower being from OFAC sanctioned country list - Due Diligence Vendor-05/15/2025 |  | Waived-Borrower Type ineligible per program guidelines. Exception Approved <br> Exception Document page 488<br> Exception Reason: Other- Borrower being from OFAC sanctioned country list - Due Diligence Vendor-05/15/2025<br>|  |  | DTI - Loan File 16.24%, GL Requirement Maximum 50%<br> Reserves- Loan File 14.29 months, GL Requirement Minimum 3 months<br> Residual Income - Loan File $26,510.37, GL Requirement Minimum $2500 | NJ | Primary Residence | Purchase | NA | 4148413 | Originator Pre-Close | Yes |
| XX | 112504126 |  |  | Closed | 2025-05-12 11:30 | 2025-05-15 12:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.864%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 359 and the Final Closing disclosure on Pg#'s 189. Rate lock date was entered correctly – see Pg#'s 414 An interior and exterior appraisal was completed for this property – see pg#36, the appraisal disclosure was provided to the borrower(s) - see page #512, and confirmation the appraisal was delivered to the borrower – see Pg#'s240. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/12/2025 |  | Resolved-The loan's (8.864%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 359 and the Final Closing disclosure on Pg#'s 189. Rate lock date was entered correctly – see Pg#'s 414 An interior and exterior appraisal was completed for this property – see pg#36, the appraisal disclosure was provided to the borrower(s) - see page #512, and confirmation the appraisal was delivered to the borrower – see Pg#'s240. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 4110393 | N/A | N/A |
| XX | 2504154376 |  |  | Closed | 2025-05-14 09:14 | 2025-05-14 09:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.999%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 506 and the Final Closing disclosure on Pg#'s 316, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 512. An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#633,632 and confirmation the appraisal was delivered to the borrower – see Pg#'s 293,559 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.999%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 506 and the Final Closing disclosure on Pg#'s 316, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 512. An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#633,632 and confirmation the appraisal was delivered to the borrower – see Pg#'s 293,559 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4135506 | N/A | N/A |
| XX | 2504154376 |  |  | Closed | 2025-05-14 09:14 | 2025-05-14 09:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.999%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 506 and the Final Closing disclosure on Pg#'s 316, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 512. An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#633,632 and confirmation the appraisal was delivered to the borrower – see Pg#'s 293,559 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025 |  | Resolved-The loan's (9.999%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 506 and the Final Closing disclosure on Pg#'s 316, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 512. An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#633,632 and confirmation the appraisal was delivered to the borrower – see Pg#'s 293,559 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4135507 | N/A | N/A |
| XX | 132504326 |  |  | Closed | 2025-05-19 05:21 | 2025-05-22 09:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Effective date is greater than Note date, Updated Hazard Insurance Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Hazard Insurance Effective Date of 05-13-2025 is prior to or equal to the Note Date of 05-13-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Open-Hazard Insurance Effective Date of 05-23-2025 is after the Note Date of 05-13-2025. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Hazard Effective date is greater than Note date, Updated Hazard Insurance Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Hazard Insurance Effective Date of 05-13-2025 is prior to or equal to the Note Date of 05-13-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/22/2025<br>| XX HOI.pdf |  |  | MD | Investment | Purchase | NA | 4174838 | N/A | N/A |
| XX | 112504244 |  |  | Closed | 2025-05-21 17:08 | 2025-05-22 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Value of Primary Residence less than Subject Property Value | Resolved-Motivation Letter received - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Open-Value of Primary Residence less than Subject Property Value. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Motivation Letter received - Due Diligence Vendor-05/22/2025<br>| Motivation letter.pdf |  |  | OR | Investment | Purchase | NA | 4206612 | N/A | N/A |
| XX | 132504236 |  |  | Closed | 2025-05-23 11:47 | 2025-05-27 12:06 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower - see Findings. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 <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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of Appraisal delivery to the borrower. - Due Diligence Vendor-05/27/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.501%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/23/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower - see Findings. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4225576 | N/A | N/A |
| XX | 132504236 |  |  | Closed | 2025-05-23 11:47 | 2025-05-27 12:06 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower - see Findings. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower - see Findings. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-The loan's (8.501%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 335 and the Final Closing disclosure on page 175 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower - see Findings. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025<br>| XX Disc.pdf<br> XX Delivery.pdf |  |  | MD | Primary Residence | Purchase | NA | 4225577 | N/A | N/A |
| XX | 132504236 |  |  | Closed | 2025-05-20 10:05 | 2025-05-23 11:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE 5/2/2025, Initial CD 5/7/2025, Revised CD 5/8/2025, COC dated 5/7/2025 and Disclosure Tracking Summary received - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Revised LE 5/2/2025, Initial CD 5/7/2025, Revised CD 5/8/2025, COC dated 5/7/2025 and Disclosure Tracking Summary received - Due Diligence Vendor-05/23/2025<br>| XX Tracking.pdf<br> XX CC.pdf<br> XX CD.pdf<br> XX 5 8 CC.pdf |  |  | MD | Primary Residence | Purchase | NA | 4188393 | N/A | N/A |
| XX | 132504272 |  |  | Closed | 2025-05-16 14:05 | 2025-05-21 13:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by xxxx - MANAGING MEMBER on behalf of Business Entity, xxxx. Provide Exception - Due Diligence Vendor-05/16/2025 | Waived-Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/21/2025<br>| Loan XX- Note signed by borrower on behalf of Business Entity.png<br> Misman Exception.pdf |  | DTI- Loan File 32.47%, GL Requirement Max 50%<br> Credit Score - Loan File 778, GL Requirement Min 740<br> Residual Income- Loan File $20,844.75, GL Requirement Min $2500<br> Reserves- Loan File 19.35 months, GL Requirement Min 6 months<br> Housing History- Loan File 0x30x28 months, GL Requirement Min 1x30x12 months<br> Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. | FL | Investment | Purchase | NA | 4162808 | Originator Pre-Close | Yes |
| XX | 132504272 |  |  | Closed | 2025-05-20 14:21 | 2025-05-21 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/21/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/21/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/21/2025<br>| xxx Lock.pdf |  |  | FL | Investment | Purchase | NA | 4190800 | N/A | N/A |
| XX | 132504272 |  |  | Closed | 2025-05-19 20:14 | 2025-05-19 20:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approved<br> Exception Document page 591<br> Exception Reason: Other-Business purpose and activities are NOT limited to ownership and management of real estate - Due Diligence Vendor-05/19/2025 |  | Waived-Loan does not conform to program guidelines Exception Approved<br> Exception Document page 591<br> Exception Reason: Other-Business purpose and activities are NOT limited to ownership and management of real estate - Due Diligence Vendor-05/19/2025<br>|  |  | DTI- Loan File 32.47%, GL Requirement Max 50%<br> Credit Score - Loan File 778, GL Requirement Min 740<br> Residual Income- Loan File $20,844.75, GL Requirement Min $2500<br> Reserves- Loan File 19.35 months, GL Requirement Min 6 months<br> Housing History- Loan File 0x30x28 months, GL Requirement Min 1x30x12 months | FL | Investment | Purchase | NA | 4183627 | Originator Pre-Close | Yes |
| XX | 2503151758 |  |  | Closed | 2025-05-14 16:28 | 2025-05-14 16:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.954%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 591, 449 and the Final Closing disclosure on Pg#'s 254, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 607. An interior and exterior appraisal was completed for this property – see pg# 69, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 678, and confirmation the appraisal was delivered to the borrower – see Pg#'s 65. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025 |  | Resolved-The loan's (10.954%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 591, 449 and the Final Closing disclosure on Pg#'s 254, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 607. An interior and exterior appraisal was completed for this property – see pg# 69, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 678, and confirmation the appraisal was delivered to the borrower – see Pg#'s 65. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/14/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 4140000 | N/A | N/A |
| XX | 132503871 |  |  | Closed | 2025-05-27 10:13 | 2025-05-29 15:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.0%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 187 and the Final Closing disclosure on Pg# 103 reflects escrows. Rate lock date was entered correctly see Pg.'s 209 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 255, 256 and copy of the appraisal was given to the borrower see Pg# 218, 72 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 |  | Resolved-The loan's (10.0%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 187 and the Final Closing disclosure on Pg# 103 reflects escrows. Rate lock date was entered correctly see Pg.'s 209 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 255, 256 and copy of the appraisal was given to the borrower see Pg# 218, 72 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4240990 | N/A | N/A |
| XX | 132503871 |  |  | Closed | 2025-05-27 10:13 | 2025-05-29 15:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.0%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 187 and the Final Closing disclosure on Pg# 103 reflects escrows. Rate lock date was entered correctly see Pg.'s 209 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 255, 256 and copy of the appraisal was given to the borrower see Pg# 218, 72 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.0%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 187 and the Final Closing disclosure on Pg# 103 reflects escrows. Rate lock date was entered correctly see Pg.'s 209 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 255, 256 and copy of the appraisal was given to the borrower see Pg# 218, 72 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4240989 | N/A | N/A |
| XX | 112504245 |  |  | Closed | 2025-05-23 11:17 | 2025-05-27 13:39 | Acknowledged | 2 - Non-Material C B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Acknowledged-Per outside counsel, it is appropriate to acknowledge this as immaterial. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. I have attached the disbursement instructions to show who the fees were paid to as well as an email from a Tennessee regulator stating that these fees do not apply to loans secured by first mortgages on residential real property. Please review. - Seller-05/27/2025 <br>Open-The total of all fees paid by the borrower to the broker ($6,629.00) exceeds 2% of the loan amount ($5,520.00). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Provide tolerance cure - Due Diligence Vendor-05/23/2025 <br>Open-The total of all fees paid by the borrower to the broker ($6,629.00) exceeds 2% of the loan amount ($5,520.00). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. I have attached the disbursement instructions to show who the fees were paid to as well as an email from a Tennessee regulator stating that these fees do not apply to loans secured by first mortgages on residential real property. Please review. - Seller-05/27/2025<br>| Acknowledged-Per outside counsel, it is appropriate to acknowledge this as immaterial. - Due Diligence Vendor-05/27/2025<br>| March 2023 email with TN regulator.pdf<br>Disbursement Instructions & Final CD.pdf |  |  | TN | Primary Residence | Purchase | NA | 4225206 | Originator Post-Close | No |
| XX | 112504245 |  |  | Closed | 2025-05-20 07:33 | 2025-05-27 13:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-05/27/2025<br>| XX Tracking.pdf<br> XX CC.pdf<br> XX CD.pdf |  |  | TN | Primary Residence | Purchase | NA | 4187975 | N/A | N/A |
| XX | 112504245 |  |  | Closed | 2025-05-20 06:35 | 2025-05-27 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025 <br>Resolved-Income calculation worksheet received - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. May need to enlarge once opened. - Seller-05/27/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income calculation sheet is not visible/clear. Provide legible income calculation worksheet - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. May need to enlarge once opened. - Seller-05/27/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025 <br>Resolved-Income calculation worksheet received - Due Diligence Vendor-05/27/2025<br>| XX #XX-bank-income-sheet.pdf |  |  | TN | Primary Residence | Purchase | NA | 4187813 | N/A | N/A |
| XX | 112504245 |  |  | Closed | 2025-05-23 11:17 | 2025-05-23 11:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC dated 4/29/2025 received - Due Diligence Vendor-05/23/2025 <br>Resolved- - Due Diligence Vendor-05/23/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/23/2025 |  | Resolved-COC dated 4/29/2025 received - Due Diligence Vendor-05/23/2025 <br>Resolved- - Due Diligence Vendor-05/23/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | 4225205 | N/A | N/A |
| XX | 112504245 |  |  | Closed | 2025-05-22 14:58 | 2025-05-23 11:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/23/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/23/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025<br>| XX lock.pdf |  |  | TN | Primary Residence | Purchase | NA | 4214892 | N/A | N/A |
| XX | 112504245 |  |  | Closed | 2025-05-23 11:17 | 2025-05-23 11:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-his 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 372 and the Final Closing disclosure on page 227 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 435 and copy of the appraisal was given to the borrower – see page 208 The loan meets HPML guidelines. - Due Diligence Vendor-05/23/2025 <br>Resolved-The loan's (8.527%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 372 and the Final Closing disclosure on page 227 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 435 and copy of the appraisal was given to the borrower – see page 208 The loan meets HPML guidelines. - Due Diligence Vendor-05/23/2025 |  | Resolved-his 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 372 and the Final Closing disclosure on page 227 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 435 and copy of the appraisal was given to the borrower – see page 208 The loan meets HPML guidelines. - Due Diligence Vendor-05/23/2025 <br>Resolved-The loan's (8.527%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 372 and the Final Closing disclosure on page 227 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 435 and copy of the appraisal was given to the borrower – see page 208 The loan meets HPML guidelines. - Due Diligence Vendor-05/23/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | 4225207 | N/A | N/A |
| XX | 132504336 |  |  | Closed | 2025-05-23 23:36 | 2025-05-30 15:13 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-received the Asset worksheet - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-Provide the Asset worksheet - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-received the Asset worksheet - Due Diligence Vendor-05/30/2025<br>| Loan XX XX Asset Worksheet.pdf |  |  | MD | Investment | Purchase | NA | 4236164 | N/A | N/A |
| XX | 132504336 |  |  | Closed | 2025-05-23 22:58 | 2025-05-28 17:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/28/2025<br>| Lock.pdf |  |  | MD | Investment | Purchase | NA | 4236027 | N/A | N/A |
| XX | 132504266 |  |  | Closed | 2025-05-22 22:12 | 2025-05-23 14:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025<br>| XX Lock.pdf |  |  | VA | Investment | Purchase | NA | 4222075 | N/A | N/A |
| XX | 132504123 |  |  | Closed | 2025-05-27 23:46 | 2025-05-29 15:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD's were provided - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-TRID: Missing Closing Disclosure Missing the initial Closing Disclosure. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-the initial CD's were provided - Due Diligence Vendor-05/29/2025<br>| CD items.pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 4251090 | N/A | N/A |
| XX | 132504123 |  |  | Closed | 2025-05-29 15:29 | 2025-05-29 15:33 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _141___ and the Final Closing disclosure on Pg#'s _71___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __161___ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__195_ , and copy of the appraisal was given to the borrower – see Pg#'s __56___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/29/2025 <br>Open-The loan's (9.026%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/29/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _141___ and the Final Closing disclosure on Pg#'s _71___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __161___ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__195_ , and copy of the appraisal was given to the borrower – see Pg#'s __56___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/29/2025<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 4270565 | N/A | N/A |
| XX | 162504107 |  |  | Closed | 2025-05-20 11:10 | 2025-05-27 14:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-Guidelines do not allow entity to sign note Borrower signed on behalf of LLC which Guidelines do not allow. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Waived-Exception Approved - Due Diligence Vendor-05/27/2025<br>| XX Exception.pdf |  | 1- 33.52% LTV - 75% LTV maximum<br> 2- 61 months reserves - 6 months reserves required. | VA | Investment | Purchase | NA | 4188695 | Originator Post-Close | Yes |
| XX | 2504155163 |  |  | Closed | 2025-05-22 02:56 | 2025-05-30 15:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-Provide Homeownership Counseling Disclosure which is missing from loan file. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/30/2025<br>| Sellers_Homeowners Counl.pdf |  |  | NC | Second Home | Purchase | NA | 4211025 | N/A | N/A |
| XX | 2504155163 |  |  | Closed | 2025-05-21 14:15 | 2025-05-30 15:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-Asset 7 Does Not Meet Guideline Requirements Gift letter in pg#600 shows gift of $27,500 but as per LOE pg#561 $2,500 and $5,000 checks were made for EMD out of Gift $27,500., remaining $20,000 wire proof is not available in file. Provide wire proof for gift $20,000. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/30/2025<br>| Sellers Gift Wire.pdf |  |  | NC | Second Home | Purchase | NA | 4203149 | N/A | N/A |
| XX | 2504155163 |  |  | Closed | 2025-05-22 02:55 | 2025-05-28 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Document has been received and reviewed. Resolved - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-Provide Service Provider List which is missing from loan file. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Document has been received and reviewed. Resolved - Due Diligence Vendor-05/28/2025<br>| SPL.pdf |  |  | NC | Second Home | Purchase | NA | 4211024 | N/A | N/A |
| XX | 2504155163 |  |  | Closed | 2025-05-21 13:05 | 2025-05-27 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-05/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Bank Statement Summary Lender Income Calculation Worksheet which is missing from loan file. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-05/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025<br>| income worksheet (Ocrolus.pdf |  |  | NC | Second Home | Purchase | NA | 4202254 | N/A | N/A |
| XX | 2505156372 |  |  | Closed | 2025-05-23 04:33 | 2025-05-29 16:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.12%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s210, 235 Final Closing disclosure on Pg#'112 Rate lock doc on pg-109. An interior and exterior appraisal was completed for this property on pg-19. A copy of the appraisal was given to the borrower on 4/27/2025, in findings. Right to receive copy of Appraisal provided 4/14/2025, in findings. Resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-The loan's (9.12%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s210, 235<br> Final Closing disclosure on Pg#'112<br> Rate lock doc on pg-109.<br> An interior and exterior appraisal was completed for this property on pg-19. <br> A copy of the appraisal was given to the borrower on pgs-.Missing.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s Missing.<br> - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-The loan's (9.12%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s210, 235 Final Closing disclosure on Pg#'112 Rate lock doc on pg-109. An interior and exterior appraisal was completed for this property on pg-19. A copy of the appraisal was given to the borrower on 4/27/2025, in findings. Right to receive copy of Appraisal provided 4/14/2025, in findings. Resolved. - Due Diligence Vendor-05/29/2025<br>| appraisal delivery.pdf |  |  | TX | Primary Residence | Purchase | NA | 4223702 | N/A | N/A |
| XX | 2505156372 |  |  | Closed | 2025-05-23 04:55 | 2025-05-29 16:09 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-HomeTrac communication 5/27/2025 Appraisal completed 4/18/2025 delivered to Borrower month ago 4/27/2025. Subject COE 5/16/2025. Resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-Appraisal delivery document is missing in file. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-HomeTrac communication 5/27/2025 Appraisal completed 4/18/2025 delivered to Borrower month ago 4/27/2025. Subject COE 5/16/2025. Resolved. - Due Diligence Vendor-05/29/2025<br>| appraisal delivery.pdf |  |  | TX | Primary Residence | Purchase | NA | 4223766 | N/A | N/A |
| XX | 2505156372 |  |  | Closed | 2025-05-23 04:54 | 2025-05-29 15:59 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to Receive Appraisal disclosure, resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Open-Missing Right to Receive Appraisal disclosure in file.<br> - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Right to Receive Appraisal disclosure, resolved. - Due Diligence Vendor-05/29/2025<br>| right to receive appraisal disclosure.pdf |  |  | TX | Primary Residence | Purchase | NA | 4223757 | N/A | N/A |
| XX | 132504279 |  |  | Closed | 2025-05-30 12:48 | 2025-05-30 15:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Provide signed/executed Revised LE dated 5/1/2025 and/or Disclosure Tracking Summary - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-05/30/2025<br>| XX Tracking.pdf |  |  | TX | Primary Residence | Purchase | NA | 4281206 | N/A | N/A |
| XX | 132504279 |  |  | Closed | 2025-05-28 04:17 | 2025-05-30 12:47 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated Prepaid Interest and Homeowner's Insurance Premium. - Due Diligence Vendor-05/30/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please provide me with a breakdown of the fees being calculated into the finance charge. I highlighted all of the APR fees on our final CD and our finance charge comes out as accurate. Please review and advise. - Seller-05/29/2025 <br>Open-The disclosed finance charge ($587,981.87) is ($382.49) below the actual finance charge($588,364.36). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Provide compliance report and/or supporting documentation - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. Please provide me with a breakdown of the fees being calculated into the finance charge. I highlighted all of the APR fees on our final CD and our finance charge comes out as accurate. Please review and advise. - Seller-05/29/2025<br>| Resolved-Updated Prepaid Interest and Homeowner's Insurance Premium. - Due Diligence Vendor-05/30/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/30/2025<br>| Final CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 4252105 | N/A | N/A |
| XX | 132504279 |  |  | Closed | 2025-05-28 04:46 | 2025-05-30 12:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Initial CD received - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Executed Initial CD received - Due Diligence Vendor-05/30/2025<br>| XX CD items.pdf |  |  | TX | Primary Residence | Purchase | NA | 4252165 | N/A | N/A |
| XX | 112504059 |  |  | Closed | 2025-06-02 18:27 | 2025-06-03 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Evidence of Rate Lock Missing Provide confirmation of rate lock - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/03/2025<br>| xxx Lock.pdf |  |  | WA | Investment | Refinance | Cash Out - Other | 4302440 | N/A | N/A |
| XX | 132504299 |  |  | Closed | 2025-05-28 16:50 | 2025-05-29 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/29/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/29/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/29/2025<br>| XX Lock.pdf |  |  | FL | Investment | Purchase | NA | 4258315 | N/A | N/A |
| XX | 132504299 |  |  | Closed | 2025-05-28 16:54 | 2025-05-28 17:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Exception Approved<br> Exception Document page 602<br> Exception Reason - DSCR rounded up would be 1.2% to allow for Exception. Reviewed with Management, OK to allow 2 month reserve <br> Exception with DSCR Ratio 1.183% and LTV of 31.45% - Due Diligence Vendor-05/28/2025 |  | Waived-Exception Approved<br> Exception Document page 602<br> Exception Reason - DSCR rounded up would be 1.2% to allow for Exception. Reviewed with Management, OK to allow 2 month reserve <br> Exception with DSCR Ratio 1.183% and LTV of 31.45% - Due Diligence Vendor-05/28/2025<br>|  |  | DSCR- Loan File 1.183, GL Requirement Min 1.0<br> LTV- Loan File 31.45%, GL Requirement Max 75% | FL | Investment | Purchase | NA | 4258354 | Originator Pre-Close | Yes |
| XX | 162503824 |  |  | Closed | 2025-05-27 12:11 | 2025-06-02 10:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Counter-Provide Signed/Executed Revised LE dated 4/9/2025, 5/2/2025, 5/14/2025 and/or provide Disclosure Tracking Summary(s) - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-TRID: Missing Closing Disclosure Provie Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-06/02/2025<br>| CD Items.pdf<br> XX Tracking.pdf |  |  | CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 4241700 | N/A | N/A |
| XX | 162503824 |  |  | Closed | 2025-05-27 11:14 | 2025-05-31 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calculation worksheet provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Worksheet - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Income Calculation worksheet provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XX Income Calc.pdf<br> XX Income Calc.pdf |  |  | CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 4241268 | N/A | N/A |
| XX | 2504153931 |  |  | Closed | 2025-05-23 11:47 | 2025-06-09 19:07 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-06/09/2025 <br>Resolved-Final Title policy and Tax Roll 6/5/2025 show property taxes paid current, resolved. - Due Diligence Vendor-06/09/2025 <br>Resolved-Updated title doc, Tax cert with no tax due payments info provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Property Title Issue Delinquent and unpaid Taxes showing on Title report requirement #3 pg#726, 744 which is not paid at closing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-06/09/2025 <br>Resolved-Final Title policy and Tax Roll 6/5/2025 show property taxes paid current, resolved. - Due Diligence Vendor-06/09/2025 <br>Resolved-Updated title doc, Tax cert with no tax due payments info provided. Resolved - Due Diligence Vendor-06/06/2025<br>| Lender Policy (38).pdf<br>Tax Bill - All Paid.pdf |  |  | CA | Primary Residence | Purchase | NA | 4225578 | N/A | N/A |
| XX | 2504153931 |  |  | Closed | 2025-05-30 19:15 | 2025-06-09 18:44 | Resolved | 1 - Information C A | Credit | Credit | Borrower 1 spouse has not approved transaction | Resolved-Interspousal Transfer Deed, resolved. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Spouse Quitclaim. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Interspousal Transfer Deed, resolved. - Due Diligence Vendor-06/09/2025<br>| Deed - 2 (xxx-xxx).pdf |  |  | CA | Primary Residence | Purchase | NA | 4287660 | N/A | N/A |
| XX | 2504153931 |  |  | Closed | 2025-05-23 11:14 | 2025-05-23 11:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.803%) equals or exceeds the California HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 588 and the Final Closing disclosure on Pg#'s 318, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 317. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 650, and confirmation the appraisal was delivered to the borrower – see Pg#'s14, 15. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/23/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.803%) equals or exceeds the California HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 588 and the Final Closing disclosure on Pg#'s 318, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 317. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 650, and confirmation the appraisal was delivered to the borrower – see Pg#'s14, 15. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/23/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4225184 | N/A | N/A |
| XX | 2504153931 |  |  | Closed | 2025-05-23 11:14 | 2025-05-23 11:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.803%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 588 and the Final Closing disclosure on Pg#'s 318, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 317. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 650, and confirmation the appraisal was delivered to the borrower – see Pg#'s14, 15. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/23/2025 |  | Resolved-The loan's (9.803%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 588 and the Final Closing disclosure on Pg#'s 318, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 317. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 650, and confirmation the appraisal was delivered to the borrower – see Pg#'s14, 15. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/23/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4225185 | N/A | N/A |
| XX | 112504302 |  |  | Closed | 2025-06-05 17:50 | 2025-06-06 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 received - Due Diligence Vendor-06/06/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The 1008 document is missing from the loan file. 1008 is present; however, the P&I payment reflects $1532.58 and the Interest rate reflects 8.25%. The Note reflects a Interest Rate of 8.5% and a P&I payment iao $1568.58. Provide update 1008 with updated Interest rate, P&I payment, DTI and LTV updates, if appliable. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Updated 1008 received - Due Diligence Vendor-06/06/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025<br>| XX 1008.pdf |  |  | AL | Primary Residence | Purchase | NA | 4349190 | N/A | N/A |
| XX | 112504302 |  |  | Closed | 2025-06-04 12:32 | 2025-06-05 18:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.025%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 308 and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335. An interior and exterior appraisal was completed for this property – see pg 25 and 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382-383 and copy of the appraisal was given to the borrower – see appraisal #1 Pg 365, 366 and appraisal #2 Pg# 209 for delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (9.025%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 308 and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335. An interior and exterior appraisal was completed for this property – see pg 25 and 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382-383 and copy of the appraisal was given to the borrower – see appraisal #1 Pg 365, 366 and appraisal #2 Pg# 209 for delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2025<br>|  |  |  | AL | Primary Residence | Purchase | NA | 4328921 | N/A | N/A |
| XX | 162505375 |  |  | Closed | 2025-06-06 12:56 | 2025-06-10 12:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved- Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025<br>| XX Lock.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 4358671 | N/A | N/A |
| XX | 132504220 |  |  | Closed | 2025-06-06 11:43 | 2025-06-06 11:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 95 reflects escrows. Rate lock date was entered correctly – see page 262. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 311-314 and copy of the appraisal was given to the borrower – see page 123. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2025 <br>Open-The loan's (8.582%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/06/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 235 and the Final Closing disclosure on page 95 reflects escrows. Rate lock date was entered correctly – see page 262. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 311-314 and copy of the appraisal was given to the borrower – see page 123. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4358069 | N/A | N/A |
| XX | 132504220 |  |  | Closed | 2025-06-05 13:51 | 2025-06-06 11:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Revised LE's, Initial CD, Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/06/2025<br>| XX CD items.pdf<br> XX Tracking.pdf |  |  | VA | Primary Residence | Purchase | NA | 4344075 | N/A | N/A |
| XX | 132504220 |  |  | Closed | 2025-06-05 18:32 | 2025-06-06 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 received - Due Diligence Vendor-XXXX<br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with an updated Appraised Value is XXXX. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Updated 1008 received - Due Diligence Vendor-06/06/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025<br>| XX 1008.pdf |  |  | VA | Primary Residence | Purchase | NA | 4349914 | N/A | N/A |
| XX | 132503896 |  |  | Closed | 2025-06-03 09:14 | 2025-06-03 17:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.3%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#288-289 and the Final Closing disclosure on Pg#97. Rate lock date was entered correctly – see Pg#302-303. An interior and exterior appraisal was completed for this property – see pg 19-45, the appraisal disclosure was provided to the borrower(s)- see Pg# 365-366, and confirmation the appraisal was delivered to the borrower – see Pg# 161-163. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025 |  | Resolved-The loan's (8.3%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#288-289 and the Final Closing disclosure on Pg#97. Rate lock date was entered correctly – see Pg#302-303. An interior and exterior appraisal was completed for this property – see pg 19-45, the appraisal disclosure was provided to the borrower(s)- see Pg# 365-366, and confirmation the appraisal was delivered to the borrower – see Pg# 161-163. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025<br>|  |  |  | AR | Primary Residence | Purchase | NA | 4309304 | N/A | N/A |
| XX | 132504310 |  |  | Closed | 2025-06-06 09:24 | 2025-06-13 10:49 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-HOA fees not reflected in 1008, Provided Updated 1008, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-HOA Fee difference exsits between validated HOA and documents Per Appraisal, subject property is a PUD with $660 annual fee/ 12 months = monthly HOA Fee iao $55. Provide updated 1008 that includes HOA fee iao $55/month - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-HOA fees not reflected in 1008, Provided Updated 1008, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025<br>| XX 1008.pdf |  |  | VA | Primary Residence | Purchase | NA | 4357346 | N/A | N/A |
| XX | 132504310 |  |  | Closed | 2025-06-06 09:21 | 2025-06-13 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD Provided. Resolved<br> - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Initial CD Provided. Resolved<br> - Due Diligence Vendor-06/13/2025<br>| XX Tracking.pdf<br> XX CD Items.pdf |  |  | VA | Primary Residence | Purchase | NA | 4357335 | N/A | N/A |
| XX | 132504310 |  |  | Closed | 2025-06-13 09:04 | 2025-06-13 09:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 176 and the Final Closing disclosure on Pg#'s 90 reflects escrows. Rate lock date was entered correctly – see Pg#'s 196. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 238 , and copy of the appraisal was given to the borrower – see Pg#'s 83-85 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 <br>Open-The loan's (10.09%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/13/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 176 and the Final Closing disclosure on Pg#'s 90 reflects escrows. Rate lock date was entered correctly – see Pg#'s 196. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 238 , and copy of the appraisal was given to the borrower – see Pg#'s 83-85 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4436609 | N/A | N/A |
| XX | 2505157232 |  |  | Closed | 2025-06-09 14:52 | 2025-06-12 07:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Request to provide 3rd party verification of employment for borrower as provided business narrative document does not provide any date on page 150 as well as no other entity verification available. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/12/2025<br>| XX CPA Lttr.pdf |  |  | TX | Primary Residence | Purchase | NA | 4379979 | N/A | N/A |
| XX | 142504338 |  |  | Closed | 2025-06-13 17:19 | 2025-06-17 11:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Mortgage document Other: Exhibit "A" received - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-06/16/2025 <br>Open-Provide Other: Exhibit "A" - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Attached. - Seller-06/16/2025<br>| Resolved-Mortgage document Other: Exhibit "A" received - Due Diligence Vendor-06/17/2025<br>| Mortgage.pdf |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4442907 | N/A | N/A |
| XX | 142504338 |  |  | Closed | 2025-06-12 03:22 | 2025-06-13 18:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.322%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 399 and the Final Closing disclosure on Pg#'s 231 reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 32 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 493-495, and copy of the appraisal was given to the borrower – see Pg#'s 295 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/12/2025 |  | Resolved-The loan's (9.322%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 399 and the Final Closing disclosure on Pg#'s 231 reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 32 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 493-495, and copy of the appraisal was given to the borrower – see Pg#'s 295 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/12/2025<br>|  |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4419445 | N/A | N/A |
| XX | 132504258 |  |  | Closed | 2025-06-13 14:11 | 2025-06-13 14:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 257 and the Final Closing disclosure on page 151 reflects escrows. Rate lock date was entered correctly – see page 284. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see page 365 and copy of the appraisal was given to the borrower – see page 30. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 <br>Open-The loan's (10.841%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/13/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 257 and the Final Closing disclosure on page 151 reflects escrows. Rate lock date was entered correctly – see page 284. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see page 365 and copy of the appraisal was given to the borrower – see page 30. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025<br>|  |  |  | IN | Primary Residence | Purchase | NA | 4439157 | N/A | N/A |
| XX | 132504258 |  |  | Closed | 2025-06-11 15:09 | 2025-06-13 14:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-TRID: Missing Closing Disclosure Provide Missing Iniital CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/13/2025<br>| XX Tracking.pdf<br> XX CD items.pdf |  |  | IN | Primary Residence | Purchase | NA | 4410530 | N/A | N/A |
| XX | 2505156906 |  |  | Closed | 2025-06-09 08:14 | 2025-06-18 08:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | Resolved-Borrower 1 Personal Bank Statement from 04/12/2024 to 05/13/2024 uploaded, verified and entered into the system - Resolved.<br>- Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-As per Lender Income Calculator page 410 bank statement months 04/12/2024 to 05/13/2024 were used for qualifying income, however bank statement months 04/12/2024 to 05/13/2024 is missing in file. Requesting to provide missing bank statement months 04/12/2024 to 05/13/2024. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Borrower 1 Personal Bank Statement from 04/12/2024 to 05/13/2024 uploaded, verified and entered into the system - Resolved.<br>- Due Diligence Vendor-06/18/2025<br>| xxx xxx- xxx.pdf |  |  | GA | Primary Residence | Purchase | NA | 4376498 | N/A | N/A |
| XX | 2505156906 |  |  | Closed | 2025-06-09 07:57 | 2025-06-10 20:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.451%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 411, 378 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 242, 417. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 525, and confirmation the appraisal was delivered to the borrower – see Pg#'s 295-296. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/09/2025 |  | Resolved-The loan's (8.451%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 411, 378 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 242, 417. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 525, and confirmation the appraisal was delivered to the borrower – see Pg#'s 295-296. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/09/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4376451 | N/A | N/A |
| XX | 2505156320 |  |  | Closed | 2025-06-11 13:05 | 2025-06-18 08:33 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated Final 1003 with corrected Gift fund uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. please see updated 1003 for gift funds in amount of $xxx which matches the gift letter, wire to title, and credit on final CD. - Seller-06/17/2025 <br> Open-Provide the wire proof for gift amount $xxx, as this amount is showing in final 1003. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. please see updated 1003 for gift funds in amount of $65K which matches the gift letter, wire to title, and credit on final CD. - Seller-06/17/2025<br>| Resolved-Updated Final 1003 with corrected Gift fund uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025<br>| 1003 XX updated.pdf |  |  | GA | Primary Residence | Purchase | NA | 4408771 | N/A | N/A |
| XX | 2505156320 |  |  | Closed | 2025-06-11 10:07 | 2025-06-18 08:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. doc attached. - Seller-06/17/2025 <br>Open-The Final 1003 is Missing Provide updated final 1003, as 7th page is missing in file. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. doc attached. - Seller-06/17/2025<br>| Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025<br>| 1003 XX.pdf |  |  | GA | Primary Residence | Purchase | NA | 4407545 | N/A | N/A |
| XX | 2504154930 |  |  | Closed | 2025-06-11 10:18 | 2025-06-25 14:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Loan exception for credit report dated more than 120 days prior to our note dates is approved. Credit report is dated 1/9/25 and note date is 6/4/25 - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Provide updated credit report. Supplement dated 5/2/2025 in file - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Waived-Loan exception for credit report dated more than 120 days prior to our note dates is approved. Credit report is dated 1/9/25 and note date is 6/4/25 - Due Diligence Vendor-06/25/2025<br>| XX Exception.pdf |  | Comp Factor 1: FICO is 778 which is 118 points above guideline requirements<br>Comp Factor 2: Borrower has > 60 months reserves post close<br>Comp Factor 3: Subject mortgage lists > 30 months without any mortgage lates | CA | Primary Residence | Refinance | Cash Out - Other | 4407580 | Originator Post-Close | Yes |
| XX | 2504154930 |  |  | Closed | 2025-06-11 11:04 | 2025-06-13 12:34 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception Approved for a private party VOM with no verying documentation of the payments, as they were paid in cash .exception available on pg#485 - Due Diligence Vendor-06/11/2025 |  | Waived-Exception Approved for a private party VOM with no verying documentation of the payments, as they were paid in cash .exception available on pg#485 - Due Diligence Vendor-06/11/2025<br>|  |  | Comp Factor #1: FICO 778. Guidelines require 660 or higher<br> Comp Factor #2: Lower DTI under 36%. Guidelines allow up to 50%<br> Comp Factor #3: Residual Income at least $15,000 a month | CA | Primary Residence | Refinance | Cash Out - Other | 4407783 | Originator Pre-Close | Yes |
| XX | 2504154930 |  |  | Closed | 2025-06-11 11:48 | 2025-06-26 10:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved with XXXX run - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Hi there! Is there anything that needs to be done with this condition. I see it says resolved at the bottom - Seller-06/25/2025 <br>Open- - Due Diligence Vendor-06/25/2025 <br>Resolved-The loan's (8.39%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#476 and the Final Closing disclosure on Pg#296, Finding reflects escrows. Rate lock date was entered correctly – see Pg#293. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#574, and confirmation the appraisal was delivered to the borrower – see Pg#290. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025 | Ready for Review-Hi there! Is there anything that needs to be done with this condition. I see it says resolved at the bottom - Seller-06/25/2025<br>| Resolved-Resolved with XXXX run - Due Diligence Vendor-06/26/2025 <br>Resolved-The loan's (8.39%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#476 and the Final Closing disclosure on Pg#296, Finding reflects escrows. Rate lock date was entered correctly – see Pg#293. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#574, and confirmation the appraisal was delivered to the borrower – see Pg#290. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4408025 | N/A | N/A |
| XX | 2504154930 |  |  | Closed | 2025-06-11 11:48 | 2025-06-26 10:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Resolved with XXXX run - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Hi there! Is there anything that needs to be done with this condition. I see it says resolved at the bottom - Seller-06/25/2025 <br>Open- - Due Diligence Vendor-06/25/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.39%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#476 and the Final Closing disclosure on Pg#296, Finding reflects escrows. Rate lock date was entered correctly – see Pg#293. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#574, and confirmation the appraisal was delivered to the borrower – see Pg#290. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025 | Ready for Review-Hi there! Is there anything that needs to be done with this condition. I see it says resolved at the bottom - Seller-06/25/2025<br>| Resolved-Resolved with XXXX run - Due Diligence Vendor-06/26/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.39%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#476 and the Final Closing disclosure on Pg#296, Finding reflects escrows. Rate lock date was entered correctly – see Pg#293. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#574, and confirmation the appraisal was delivered to the borrower – see Pg#290. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4408024 | N/A | N/A |
| XX | 2505158088 |  |  | Closed | 2025-06-13 17:30 | 2025-06-20 21:14 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval provided. - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. - Seller-06/18/2025 <br>Counter-The attached lender approval is missing the bank statement type. Requesting to provide an updated Lender Approval. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Open-Requesting to provide Lender Approval form missing in file. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Updated Lender Approval provided. - Due Diligence Vendor-06/20/2025<br>| XX NANQ.pdf<br> XX 58088.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4443107 | N/A | N/A |
| XX | 2505158088 |  |  | Closed | 2025-06-12 14:01 | 2025-06-20 21:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952 An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952<br> An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 |  | Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952 An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/20/2025 <br>Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952<br> An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4423796 | N/A | N/A |
| XX | 2505158088 |  |  | Closed | 2025-06-12 14:01 | 2025-06-20 21:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.982%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952 An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.982%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952<br> An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.982%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952 An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/20/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.982%) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1481 and the Final Closing disclosure on Pg#'s 960, Finding reflects escrows. Rate lock date was entered correctly – see Pg#952<br> An interior and exterior appraisal was completed for this property – see pg 250, the appraisal disclosure was provided to the borrower(s)- see Pg#'1653 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#896-899 The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4423795 | N/A | N/A |
| XX | 2505157767 |  |  | Closed | 2025-06-16 10:59 | 2025-06-23 16:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-meets HPML guidelines - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Resolved-The loan's (9.378%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 367, 372, 579 and the Final Closing disclosure on Pg #369, Finding reflects escrows. Rate lock date was entered correctly – see Pg #512. An interior and exterior appraisal was completed for this property – see Pg #24, the appraisal disclosure was provided to the borrower Pg #448, 557 and confirmation the appraisal was delivered to the borrower – see Pg #22. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/16/2025 |  | Resolved-meets HPML guidelines - Due Diligence Vendor-06/23/2025 <br>Resolved-The loan's (9.378%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 367, 372, 579 and the Final Closing disclosure on Pg #369, Finding reflects escrows. Rate lock date was entered correctly – see Pg #512. An interior and exterior appraisal was completed for this property – see Pg #24, the appraisal disclosure was provided to the borrower Pg #448, 557 and confirmation the appraisal was delivered to the borrower – see Pg #22. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4454440 | N/A | N/A |
| XX | 2505156823 |  |  | Closed | 2025-06-14 00:09 | 2025-06-30 18:11 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | Resolved-Uploaded LOE xxx states property Land only, property profile shows as 1965 SFR. Property taxes captured. Resolved. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Please provide Hazard Insurance policy and premium for XXX. - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Uploaded LOE XXX states property Land only, property profile shows as 1965 SFR. Property taxes captured. Resolved. - Due Diligence Vendor-06/30/2025 | loe for insurance.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 4447937 | N/A | N/A |
| XX | 2505156823 |  |  | Closed | 2025-06-14 00:28 | 2025-06-18 21:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Confirmed with XXXX XXXX to capture Closing Statement as XXXX and not XXXX, resolved. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. No CD, it's a HUD-1, refinance. attached. - Seller-06/17/2025 <br> Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. No CD, it's a HUD-1, refinance. attached. - Seller-06/17/2025<br>| Resolved-Confirmed with XXXX Escalations to capture Closing Statement as Pre2010 and not January 2010, resolved. - Due Diligence Vendor-06/18/2025<br>| XX HUD.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 4447981 | N/A | N/A |
| XX | 2505156823 |  |  | Closed | 2025-06-12 09:39 | 2025-06-18 20:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/18/2025 <br>Open-Final HUD-1 Document is Missing. Provide updated HUD1 as the provided one on page 218 settlement agent signature is missing - Due Diligence Vendor-06/12/2025 |  | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/18/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 4421415 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-07-09 15:53 | 2025-07-18 21:45 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; Loan funded prior to the expiration of the rescission period. | Resolved-Document provide to show the funding was on the XX - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Wire confirmation from our warehouse bank attached. Wire was sent to the title company on 6/XX and the loan funded on this date. - Seller-07/16/2025 <br> Open-The final CD shows the loan funded on XX/XX/2025, however the right to cancel expires on 6/16/25. The RTC that was provide shows the borrower signed a RTC on 6/12/25 and the final CD. The loan should have disbursed on XX/XX/25. Provide documentation that the loan disbursed on XX/XX/25. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Wire confirmation from our warehouse bank attached. Wire was sent to the title company on 6/17 and the loan funded on this date. - Seller-07/16/2025<br>| Resolved-Document provide to show the funding was on the XX - Due Diligence Vendor-07/18/2025 | Wire Confirmation.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4750152 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-07-02 11:37 | 2025-07-18 21:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Resolved-resolved - Due Diligence Vendor-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 173 and the Final Closing disclosure on Pg 74 reflects escrows. Rate lock date was entered correctly – see Pg 197 An interior and exterior appraisal was completed for this property – see pg 37 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 193, and copy of the appraisal was given to the borrower – see Pg 20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 <br>Open-The loan's (8.454%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-resolved - Due Diligence Vendor-07/18/2025 <br>Resolved-resolved - Due Diligence Vendor-07/09/2025 <br>Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 173 and the Final Closing disclosure on Pg 74 reflects escrows. Rate lock date was entered correctly – see Pg 197 An interior and exterior appraisal was completed for this property – see pg 37 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 193, and copy of the appraisal was given to the borrower – see Pg 20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4627691 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-07-02 11:37 | 2025-07-18 21:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-resolved - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Resolved-resolved - Due Diligence Vendor-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 173 and the Final Closing disclosure on Pg 74 reflects escrows. Rate lock date was entered correctly – see Pg 197 An interior and exterior appraisal was completed for this property – see pg 37 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 193, and copy of the appraisal was given to the borrower – see Pg 20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.454%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-resolved - Due Diligence Vendor-07/18/2025 <br>Resolved-resolved - Due Diligence Vendor-07/09/2025 <br>Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 173 and the Final Closing disclosure on Pg 74 reflects escrows. Rate lock date was entered correctly – see Pg 197 An interior and exterior appraisal was completed for this property – see pg 37 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 193, and copy of the appraisal was given to the borrower – see Pg 20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4627693 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-06-24 12:08 | 2025-07-18 21:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 <br>Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding resolved - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing from file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 <br>Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding resolved - Due Diligence Vendor-07/02/2025<br>| XX CD Items.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4538542 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-07-02 11:37 | 2025-07-09 15:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. There is no tolerance cure for this since the borrower shopped for title fees. The xxx shows xxx at the time of origination and xxx at the time of closing. - Seller-07/08/2025 <br> Open-the wire fee increased on the initial CD to $90, provide the COC showing the increase. - Due Diligence Vendor-07/02/2025 <br> Open-Wire Fee increased form Initial LE to Final Cd and there is no coc to cure the tolerance - Due Diligence Vendor-07/02/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. There is no tolerance cure for this since the borrower shopped for title fees. The xxx shows xxx at the time of origination and xxx at the time of closing. - Seller-07/08/2025 | Resolved- - Due Diligence Vendor-07/09/2025<br>| Final CD.pdf<br>SSPL.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4627695 | N/A | N/A |
| XX | 112503799 |  |  | Closed | 2025-07-02 11:37 | 2025-07-09 15:45 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-received a corrected RTC - Due Diligence Vendor-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Closing date is 6/11/2025 but notarized on 6/12/2025. Doesn't meet the requirement. Since notarized on 6/12/2025, cancel date should be 6/16/2025 & Disbursement should be after 6/16/2025. - Due Diligence Vendor-07/02/2025 <br>Open-The loan disbursement date (2025-06-16) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-06-16). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-received a corrected RTC - Due Diligence Vendor-07/09/2025<br>| XX initialed NORC.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4627696 | N/A | N/A |
| XX | 2503151055 |  |  | Closed | 2025-06-17 11:11 | 2025-06-18 08:04 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Open-Per loan approval page #605, Credit type is Core NonQM and Matrix date is 2/14/2025 but Matrix 2/14/2025 does not provide credit type as Core NonQM. Matrix date 4/17/2025 provides Credit type as Core. Provide updated loan approval document. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025<br>| XX NANQ.pdf |  |  | TX | Primary Residence | Purchase | NA | 4468539 | N/A | N/A |
| XX | 2503151055 |  |  | Closed | 2025-06-16 13:35 | 2025-06-16 13:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.344%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s488 and the Final Closing disclosure on Pg#'s319-324, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s511. An interior and exterior appraisal was completed for this property – see pg#27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s635, and confirmation the appraisal was delivered to the borrower – see Pg#'s607. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/16/2025 |  | Resolved-The loan's (9.344%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s488 and the Final Closing disclosure on Pg#'s319-324, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s511. An interior and exterior appraisal was completed for this property – see pg#27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s635, and confirmation the appraisal was delivered to the borrower – see Pg#'s607. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/16/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 4455812 | N/A | N/A |
| XX | 2504155570 |  |  | Closed | 2025-06-17 19:47 | 2025-07-24 20:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-CPA Letter attached. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Counter-Additional commentary - Last name comparison isn't a concern -- however per guides - as per guidelines 04/17/25 page 59, for use of Business Funds as closing assets (which was used) o Underwriter must determine that the withdrawal of funds will not have a negative impact on the business o The following methods are acceptable: § Third party prepared letter from a licensed CPA or licensed Tax Professional signed and dated within 60 days of Note date stating that the use of business funds would not have a negative impact on the business cash flow - Due Diligence Vendor-07/16/2025 <br>Counter-The CPA and borrower share last name. Requesting additional letter of explanation if there is relation between CPA and Borrower. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-The borrower owns 50% of the self employed business. Business assets provided for reserves and income. Requesting letter of access for business bank account. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-CPA Letter attached. - Due Diligence Vendor-07/24/2025<br>| xxx XX cpa letter1.pdf |  |  | CA | Investment | Purchase | NA | 4477700 | N/A | N/A |
| XX | 2504155570 |  |  | Closed | 2025-06-17 19:23 | 2025-07-03 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Open-The loan is business purpose investment property. The 1007 or third party market rent source is missing from file. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-07/03/2025<br>| xxx XXRent Schedule.pdf |  |  | CA | Investment | Purchase | NA | 4477308 | N/A | N/A |
| XX | 2505158631 |  |  | Closed | 2025-06-23 06:20 | 2025-06-24 15:10 | Resolved | 1 - Information C A | Compliance | XXXX | License: Loan Originator | Resolved-File has been updated to reflect the provided docs - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. NMLS results shows xxx licensed to represent xxx Initial 1003 attached. - Seller-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open-A relationship between xxx (NMLS ID: xxx) and the company (Company NMLS ID: xxx) does not exist in the NMLS Consumer Access as of 2025-06-13. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. As per review, the NMLS IDs are verified and active in NMLS Search. The NMLS For xxx belongs to respective Lenders. Need exception or cure documents to resolve the finding. - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. NMLS results shows XX licensed to represent xxx Initial 1003 attached. - Seller-06/23/2025 | Resolved-File has been updated to reflect the provided docs - Due Diligence Vendor-06/24/2025<br>| NMLS LO.pdf<br>NMLS Company.pdf<br>Initial URLA.pdf |  |  | IL | Primary Residence | Purchase | NA | 4523352 | N/A | N/A |
| XX | 2505158631 |  |  | Closed | 2025-06-23 06:20 | 2025-06-23 18:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (11.232%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 241, 483 and the Final Closing disclosure on Pg #238, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228, 494, 500. An interior and exterior appraisal was completed for this property – see Pg #10, the appraisal disclosure was provided to the borrower Pg #427, 544 and confirmation the appraisal was delivered to the borrower – see Pg 532. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (11.232%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 241, 483 and the Final Closing disclosure on Pg #238, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228, 494, 500. An interior and exterior appraisal was completed for this property – see Pg #10, the appraisal disclosure was provided to the borrower Pg #427, 544 and confirmation the appraisal was delivered to the borrower – see Pg 532. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/23/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 4523351 | N/A | N/A |
| XX | 2505158631 |  |  | Closed | 2025-06-23 14:26 | 2025-06-23 14:26 | Resolved | 1 - Information A | Credit | Credit | Property Type does not meet eligibility requirement(s) | Resolved-Exception approved for condo as per review of loan approval on page 533. Exception requested on condo project due to annual budget does not allocate minimum 10% towards reserves and balance sheet reserves are Inadequate to compensate (57.61% of<br> annual budget in reserves) . <br>- Due Diligence Vendor-06/23/2025 |  | Resolved-Exception approved for condo as per review of loan approval on page 533. Exception requested on condo project due to annual budget does not allocate minimum 10% towards reserves and balance sheet reserves are Inadequate to compensate (57.61% of<br> annual budget in reserves) . <br>- Due Diligence Vendor-06/23/2025<br>|  |  | 87%, of annual budget already saved in balance sheet reserves - Verified Balance Sheet on page 275<br> Newer (20 Year Old) Building<br> Strong Owner Occupancy Ratio (Near 100%)<br> Zero Units > 60 DQ with HOA Dues | IL | Primary Residence | Purchase | NA | 4526369 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-24 07:53 | 2025-07-10 19:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. right to receive appraisal in findings - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/10/2025 <br>Rescinded-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. <br> Finding opened for Notice of Right to Receive Appraisal. - Due Diligence Vendor-06/25/2025 <br>Open-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/24/2025 <br>Open- - Due Diligence Vendor-06/24/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. right to receive appraisal in findings - Due Diligence Vendor-07/10/2025 <br>Rescinded-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. <br> Finding opened for Notice of Right to Receive Appraisal. - Due Diligence Vendor-06/25/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4537325 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-24 07:53 | 2025-07-10 19:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. Right to receive appraisal in findings - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/10/2025 <br>Rescinded-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. <br> Finding opened for Notice of Right to Receive Appraisal. - Due Diligence Vendor-06/25/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.516%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/24/2025 <br>Open- - Due Diligence Vendor-06/24/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. Right to receive appraisal in findings - Due Diligence Vendor-07/10/2025 <br>Rescinded-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __375__ and the Final Closing disclosure on Pg#'s __176__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_missing__ , and copy of the appraisal was given to the borrower – see Pg#'s 256 for the copy of the appraisal. The loan meets HPML guidelines. <br> Finding opened for Notice of Right to Receive Appraisal. - Due Diligence Vendor-06/25/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4537324 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-25 18:50 | 2025-07-09 17:20 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to receive appraisal received and reviewed. Resolved - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Open-The Notice of Right to Receive Appraisal is missing. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Right to receive appraisal received and reviewed. Resolved - Due Diligence Vendor-07/09/2025<br>| XX copy of apprsl disclosure.pdf |  |  | MD | Primary Residence | Purchase | NA | 4561271 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 11:28 | 2025-06-25 18:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure, as it is missing in file. Intent to Proceed Disclosure required for primary residence loan. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-06/25/2025<br>| XX intent to pro.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483345 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 11:15 | 2025-06-25 18:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-Evidence of Rate Lock Missing Provide Rate lock date document, as it is missing in file. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/24/2025<br>| XX lock.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483249 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 11:29 | 2025-06-25 18:18 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-Provide Homeownership Counseling Disclosure, as it is missing in file. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025<br>| XX homeownership.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483350 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-24 08:02 | 2025-06-25 07:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-Provide Service Provider List, Missing in File - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/25/2025<br>| XX SPL.pdf |  |  | MD | Primary Residence | Purchase | NA | 4537362 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 11:33 | 2025-06-24 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-TRID: Missing Closing Disclosure Provide updated Final CD document, as gift amounts $40,000 and $7,800 has been directly transferred to Title company, but Gift amounts not reflecting in Final CD. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-PCCD uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/24/2025<br>| XX CD with gift.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483380 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 11:26 | 2025-06-24 07:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-Provide Loan Estimate document, as LE is missing in file, we can't run the compliance without LE. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025<br>| XX LE.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483328 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 10:43 | 2025-06-24 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report, as it is missing in file. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2025<br>| XX fraud.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483080 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 10:48 | 2025-06-24 07:31 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. see page 2 - Seller-06/23/2025 <br>Open-Provide Lender approval From, as it is missing in file, as of now considered latest matrix version date 04/17/2025, Core Nonqm. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. see page 2 - Seller-06/23/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/24/2025<br>| XX 1008.pdf |  |  | MD | Primary Residence | Purchase | NA | 4483106 | N/A | N/A |
| XX | 2505158302 |  |  | Closed | 2025-06-18 08:43 | 2025-06-24 07:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document, as it is missing in file. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/24/2025<br>| XX 1008.pdf |  |  | MD | Primary Residence | Purchase | NA | 4482645 | N/A | N/A |
| XX | 2505156214 |  |  | Closed | 2025-06-18 21:31 | 2025-06-30 13:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($516.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC to specify lender credit included in change from initial LE to LE Final dated 6/4/2025. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Resolved - Due Diligence Vendor-06/30/2025<br>| XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4493747 | N/A | N/A |
| XX | 2505157206 |  |  | Closed | 2025-06-20 19:11 | 2025-07-08 16:17 | 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-07/08/2025 <br> Resolved-Audited DTI below UW 1008. Source of Deposits xxx xxxx Settlement Statement sale of property xxx Seller xxx. Page 253 Articles of Organization xxx Borrower Manager. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Counter-Uploaded is Settlement Statement not 1008 Audited qualifying monthly income $61,520.13. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-The 1008 document is missing from the loan file. Audited Qualifying monthly income $61,520.13 xxx statements xxxx 4/2025-5/2024. Self Employment Certification states Service Business with up to 10 Employees, Guideline 4/17/2025 Page 62 Expense Ratio 50%. Pending clarification/documentation xxx statement xxxx large deposit $242,953.12 4/14/2025 from Title Agency may require payment included in DTI. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/08/2025 <br> Resolved-Audited DTI below UW 1008. Source of Deposits xxx xxxx Settlement Statement sale of property xxx Seller xxx. Page 253 Articles of Organization xxx Borrower Manager. - Due Diligence Vendor-07/08/2025 | XX.pdf<br> XX Note.pdf<br> XX - XX.pdf<br> XX- XX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 4516487 | N/A | N/A |
| XX | 2505157206 |  |  | Closed | 2025-06-20 19:17 | 2025-07-08 16:16 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/08/2025 <br> Resolved-Settlement statement sale of property xxx Seller xxx for xxx on 4/14/2025. Page 253 articles of org xxx and page 311 cpa letter owner business. Resolved. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Page 66 xxx statement xxxxx large deposit $242,953.12 4/14/2025. Please clarify if deposit proceeds from Sale of REO not shown on 1003 or new purchase. Provide applicable documentation if property sold or new purchase to include payment in DTI. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/08/2025 <br> Resolved-Settlement statement sale of property xxx Seller xxx for xxxk on 4/14/2025. Page 253 articles of org xxx and page 311 cpa letter owner business. Resolved. - Due Diligence Vendor-06/26/2025 | XX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 4516599 | N/A | N/A |
| XX | 2505157206 |  |  | Closed | 2025-06-20 08:46 | 2025-07-08 16:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.31%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 388, 362 and the Final Closing disclosure on Pg#'s 267, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 396. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 261. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 <br>Open- - Due Diligence Vendor-07/08/2025 <br>Resolved-The loan's (9.31%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 388, 362 and the Final Closing disclosure on Pg#'s 267, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 396. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 261. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-The loan's (9.31%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 388, 362 and the Final Closing disclosure on Pg#'s 267, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 396. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 261. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/08/2025 <br>Resolved-The loan's (9.31%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 388, 362 and the Final Closing disclosure on Pg#'s 267, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 396. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20, 261. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 4507597 | N/A | N/A |
| XX | 2505158438 |  |  | Closed | 2025-06-20 16:09 | 2025-06-27 07:50 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document with corrected income uploaded, DTI matches the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Provided bank statements deposit are less than final 1003 income, after considered direct deposits $585898.16 also got $23,191.80, but final 1003 showing $25819.24, hence there is difference in DTI. However, raised finding for income documentation. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Updated 1008 document with corrected income uploaded, DTI matches the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-06/27/2025<br>| 1008 XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 4512374 | N/A | N/A |
| XX | 2505158438 |  |  | Closed | 2025-06-20 16:08 | 2025-06-27 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Updated Final 1003 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Provided bank statements deposit are less than final 1003 income, after considered direct deposits $585898.16 also got $23,191.80, but final 1003 showing $25819.24, hence there is difference in DTI, provide documents to calculate required income. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Updated Final 1003 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/27/2025<br>| 1003 XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 4512369 | N/A | N/A |
| XX | 2505158438 |  |  | Closed | 2025-06-20 12:37 | 2025-06-26 12:52 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Open- - Due Diligence Vendor-06/24/2025 <br>Open-The disclosed finance charge ($581,462.73) is ($250.00) below the actual finance charge($581,712.73). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Considered all fees as per document, still showing $250 amount difference. - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-. - Due Diligence Vendor-06/26/2025<br>| XX PCCD.pdf |  |  | FL | Primary Residence | Purchase | NA | 4508807 | N/A | N/A |
| XX | 2505158438 |  |  | Closed | 2025-06-20 12:37 | 2025-06-26 12:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-06/26/2025 <br>Resolved-The loan's (8.78%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 535, 507 and the Final Closing disclosure on Pg#'s 376, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 374. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 602, and confirmation the appraisal was delivered to the borrower – see Pg#'s 58, 373. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/24/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-. - Due Diligence Vendor-06/26/2025 <br>Resolved-The loan's (8.78%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 535, 507 and the Final Closing disclosure on Pg#'s 376, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 374. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 602, and confirmation the appraisal was delivered to the borrower – see Pg#'s 58, 373. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4508808 | N/A | N/A |
| XX | 2505157297 |  |  | Closed | 2025-07-22 17:36 | 2025-08-08 15:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Open-The Final 1003 is Missing Provide the final 1003 with income matching the 1008 and income worksheet amount of $12,887.05. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-07/25/2025<br>| XX 1008 1003.pdf |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4906915 | N/A | N/A |
| XX | 2505157297 |  |  | Closed | 2025-06-20 08:15 | 2025-07-22 22:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-07/22/2025 <br> Ready for Review- - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Counter- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-The worksheets provided does not arrive at the $9,435.41 (the revised 1008 provided has the $12,887.05 which matches one of the worksheets however the P&I is still incorrect). The 1003, 1008, Loan approval will need to be updated if the $12,887.05 is the income used to qualify. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Counter-The monthly income on the 1003 & 1008 is $9,435.41 which the loan was qualified with, while one worksheet has the income calculated at $12,887.05 & the other worksheet has the income calculated at $13,088.22. Provide the income calculator worksheet that supports the income on the 1003 & 1008. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Counter-The Income Calculator Worksheet provided is in line with the ownership and expense factor per the GL & CPA letter, however, the monthly income calculated is $18,410.07 which is not in line with the 1003 & 1008. Provide a Income Calculator Worksheet to support the income on the 1003 & 1008 of $9,435.41. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide revised income worksheet as the one on page 382 shows ownership of 80% with 40% expense factor and monthly income of $9,058.02 and a second income worksheet on page 351 shows ownership 80% with 20% expense factor and monthly income of $11,643.45 while the CPA letter on pages 201 & 202 & the business narrative on page 271 show borrower has 100% ownership in the business. The income on the 1003 and 1008 does not match either worksheet and the 1003 & 1008 may need to be revised depending on the revised income worksheet figures. Per the GL the expense factor should be 30% based on the number of employees listed on the business narrative and 100% ownership based on the CPA letter in file. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved- - Due Diligence Vendor-07/22/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/22/2025<br>| XX income calc.pdf<br> XX Income calc 6 27 25.pdf<br> XX Income calc 6 27 25.pdf<br> XX 1008 1003.pdf<br> XX NANQ.pdf |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4507377 | N/A | N/A |
| XX | 2505157297 |  |  | Closed | 2025-06-20 09:18 | 2025-07-22 17:35 | 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-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Counter-The 1008 provided still has the incorrect P&I amount. Provide revised 1008 with P&I amount as reflected on the Final CD and Note of $1,870.70. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Counter-1008 provided contains P&I amount of $1,869.10 while the Note has the P&I payment of $1,870.70. Please provide revised 1008 with P&I to reflect the Note. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Counter-The 1008 provided still has the incorrect P&I amount. Provide revised 1008 with P&I amount as reflected on the Final CD and Note of $1,870.70. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with correct P&I as the provided one on page 526 shows P&I of $1937.96 whereas our calculated P&I amount is $1870.70 verified from Final CD page 206 Note page 433 and First payment letter page 447 - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/22/2025<br>| XX 1008.pdf<br> XX 1008.pdf<br> 1008 XX.pdf<br> XX 1008 1003.pdf |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4507670 | N/A | N/A |
| XX | 2505157297 |  |  | Closed | 2025-06-20 09:51 | 2025-07-25 19:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #352,390 and the Final Closing disclosure on Pg #206, Finding reflects escrows. Rate lock date was entered correctly – see Pg #205,360. An interior and exterior appraisal was completed for this property – see Pg #19, the appraisal disclosure was provided to the borrower Pg #439 and confirmation the appraisal was delivered to the borrower – see Pg #17. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/25/2025 <br>Open- - Due Diligence Vendor-07/25/2025 <br>Resolved-The loan's (8.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #352,390 and the Final Closing disclosure on Pg #206, Finding reflects escrows. Rate lock date was entered correctly – see Pg #205,360. An interior and exterior appraisal was completed for this property – see Pg #19, the appraisal disclosure was provided to the borrower Pg #439 and confirmation the appraisal was delivered to the borrower – see Pg #17.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-The loan's (8.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #352,390 and the Final Closing disclosure on Pg #206, Finding reflects escrows. Rate lock date was entered correctly – see Pg #205,360. An interior and exterior appraisal was completed for this property – see Pg #19, the appraisal disclosure was provided to the borrower Pg #439 and confirmation the appraisal was delivered to the borrower – see Pg #17. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/25/2025 <br>Resolved-The loan's (8.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #352,390 and the Final Closing disclosure on Pg #206, Finding reflects escrows. Rate lock date was entered correctly – see Pg #205,360. An interior and exterior appraisal was completed for this property – see Pg #19, the appraisal disclosure was provided to the borrower Pg #439 and confirmation the appraisal was delivered to the borrower – see Pg #17.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/20/2025<br>|  |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4507741 | N/A | N/A |
| XX | 2504155043 |  |  | Closed | 2025-06-23 06:23 | 2025-06-24 19:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.757%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s215.<br> Final Closing disclosure on Pg#'82<br> Rate lock doc on pg-79.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> A copy of the appraisal disclosure was given to the borrower on pgs-261.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 238.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/24/2025 <br>Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (8.757%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s215.<br> Final Closing disclosure on Pg#'82<br> Rate lock doc on pg-79.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> A copy of the appraisal disclosure was given to the borrower on pgs-261.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 238.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/23/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4523362 | N/A | N/A |
| XX | 2504155043 |  |  | Closed | 2025-06-23 06:23 | 2025-06-24 19:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.757%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s215.<br> Final Closing disclosure on Pg#'82<br> Rate lock doc on pg-79.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> A copy of the appraisal disclosure was given to the borrower on pgs-261.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 238.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/24/2025 <br>Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.757%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s215.<br> Final Closing disclosure on Pg#'82<br> Rate lock doc on pg-79.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> A copy of the appraisal disclosure was given to the borrower on pgs-261.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 238.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/23/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4523361 | N/A | N/A |
| XX | 2505157254 |  |  | Closed | 2025-06-26 15:32 | 2025-07-07 15:08 | 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-07/07/2025 <br>Resolved-Audited DTI below UW 1008 DTI, resolved. - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Underwriter confirms income calculations are correct on file. It was calculated from May 2024 – April 2025, please advise. Thank you!<br> - Seller-07/02/2025 <br>Open-The 1008 document is missing from the loan file. Audited Qualifying Monthly income $25,682.18 12 month bank statements Bank of America xx8590 (prior xx1897) 5/2025 - 6/2024. Requesting 1008 Income $25,682.18. PITI $2,101.16 OMP $35 Total monthly liabilities $2,136.16 DTI 8.18/8.32 - Due Diligence Vendor-06/26/2025 | Ready for Review-Underwriter confirms income calculations are correct on file. It was calculated from May 2024 – April 2025, please advise. Thank you!<br> - Seller-07/02/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/07/2025 <br>Resolved-Audited DTI below UW 1008 DTI, resolved. - Due Diligence Vendor-07/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4572291 | N/A | N/A |
| XX | 2505157254 |  |  | Closed | 2025-06-26 14:56 | 2025-07-07 14:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Property Title Issue Missing documentation Title Commitment Schedule B Part I Requirement Termination and Release UCC Financing Statement Title commitment #12 & #13. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-07/07/2025<br>| XX EMAIL CONFIRMATION FROM TITLE.pdf |  |  | VA | Primary Residence | Purchase | NA | 4570940 | N/A | N/A |
| XX | 2505157254 |  |  | Closed | 2025-06-26 15:36 | 2025-07-07 14:51 | Resolved | 1 - Information C A | Credit | Credit | Tradeline minimum has not met guidelines | Resolved-O/O VOR - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Required - 1 traditional tradeline with at least 12 months reporting and 2 non-traditional credit tradelines were used to meet the minimum tradeline requirement. The auto policy and VOR were used as the non traditional credit references. Page 42 of the guidelines. Thank you! - Seller-07/02/2025 <br>Open-Guidelines 4/17/2025 Page 46 minimum tradelines not met. Credit report 1 Auto last reported 8/2023 for 7 months, 1 REV last reported 2/2025 for 33 months, Auto insurance policy 16 months payment history. - Due Diligence Vendor-06/26/2025 | Ready for Review-Required - 1 traditional tradeline with at least 12 months reporting and 2 non-traditional credit tradelines were used to meet the minimum tradeline requirement. The auto policy and VOR were used as the non traditional credit references. Page 42 of the guidelines. Thank you! - Seller-07/02/2025<br>| Resolved-O/O VOR - Due Diligence Vendor-07/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4572370 | N/A | N/A |
| XX | 2505157254 |  |  | Closed | 2025-06-23 06:58 | 2025-07-07 15:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370 and the Final Closing disclosure on Pg#'s 260, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 18, 301. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Open- - Due Diligence Vendor-07/07/2025 <br>Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370 and the Final Closing disclosure on Pg#'s 260, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 18, 301. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/23/2025 <br>Open- - Due Diligence Vendor-06/26/2025 <br>Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370 and the Final Closing disclosure on Pg#'s 260, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 18, 301. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-The loan's (8.982%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370 and the Final Closing disclosure on Pg#'s 260, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 18, 301. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/23/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4523460 | N/A | N/A |
| XX | 2505158496 |  |  | Closed | 2025-06-24 12:09 | 2025-06-26 10:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Open-Final HUD-1 Document is Missing. Provide HUD-1 document, as it is missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Final HUD-1 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/26/2025<br>| xxx FINAL HUD.pdf |  |  | TX | Investment | Purchase | NA | 4538551 | N/A | N/A |
| XX | 2506159269 |  |  | Closed | 2025-06-25 14:02 | 2025-06-30 12:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD with Gift funds provided.Updated & resolved.<br> - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-TRID: Missing Final Closing Disclosure Gift of $80,000 ($40,000+$40,000) has been wired to closing on same date of closing 06/17/2025, which is not showing on Final CD. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-PCCD with Gift funds provided.Updated & resolved.<br> - Due Diligence Vendor-06/30/2025<br>| XX PCCD.pdf |  |  | WA | Primary Residence | Purchase | NA | 4554783 | N/A | N/A |
| XX | 2506159269 |  |  | Closed | 2025-06-25 09:50 | 2025-06-30 08:06 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with corrected FICO provided. - Due Diligence Vendor-06/30/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Qualifying FICO on the 1008 Page is '738' or blank, but the Qualifying FICO from the Credit Liabilities Page is '777' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO method considered primary wage earner mid score which is 777, whereas loan program and 1008 is showing 738 as qualifying FICO - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Updated 1008 with corrected FICO provided. - Due Diligence Vendor-06/30/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/30/2025<br>| xxx UPDATED 1008.pdf<br> xxx UPDATED APPROVAL.pdf |  |  | WA | Primary Residence | Purchase | NA | 4552200 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-23 05:02 | 2025-07-16 20:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Appraisal document Provided, 1025 Included in it, Changes made in system, Finding Resolved - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Appraisal w/ rent schedule uploaded - Due Diligence Vendor-07/16/2025 <br>Resolved-Appraisal document Provided, 1025 Included in it, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/27/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. Appraisal w/ rent schedule uploaded - Seller-06/26/2025 <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide Third party market rent estimate. Third party market rent estimate missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Appraisal w/ rent schedule uploaded - Seller-06/26/2025<br>| Resolved-Appraisal document Provided, 1025 Included in it, Changes made in system, Finding Resolved - Due Diligence Vendor-07/16/2025 <br>Resolved-Appraisal document Provided, 1025 Included in it, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/27/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/27/2025<br>| Value. Appraisal-XX02.XX.25.pdf |  |  | OH | Investment | Purchase | NA | 4523148 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-07-09 16:54 | 2025-07-09 16:56 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-FN borrower per GLs using 660 in absence of established US credit or ITIN - Due Diligence Vendor-07/09/2025 <br>Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is '660' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-07/09/2025 |  | Resolved-FN borrower per GLs using 660 in absence of established US credit or ITIN - Due Diligence Vendor-07/09/2025<br>|  |  |  | OH | Investment | Purchase | NA | 4751274 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-23 05:06 | 2025-07-09 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Per GL's Foreign National Without US Credit Report Are permitted, No Credit Report Required, Hence Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Borrower is a FN - No credit report available - Seller-06/26/2025 <br>Open-Borrower 1 Credit Report is Missing. Provide Borrower 1 Credit report. Credit report missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Borrower is a FN - No credit report available - Seller-06/26/2025<br>| Resolved-Per GL's Foreign National Without US Credit Report Are permitted, No Credit Report Required, Hence Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/27/2025<br>|  |  |  | OH | Investment | Purchase | NA | 4523161 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-23 05:55 | 2025-07-09 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $60000 - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Loan was underwritten based on xxxx Long Term Rental Guidelines v 3.0 which reduced the minimum loan amount to $60k. - Seller-06/26/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount 2-4 Family Loan Amount >= 100000. Finding raised for Appraisal report to determine the property type. Appraisal report missing in file. 2-4 Family Loan Amount >= 100000 - Due Diligence Vendor-06/23/2025 | Ready for Review-Loan was underwritten based on BPC Long Term Rental Guidelines v 3.0 which reduced the minimum loan amount to $60k. - Seller-06/26/2025<br>| Resolved-Audited Loan Amount of $91000 is greater than or equal to the Guideline Minimum Loan Amount of $60000 - Due Diligence Vendor-07/01/2025<br>|  |  |  | OH | Investment | Purchase | NA | 4523274 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-24 15:37 | 2025-07-09 16:42 | Resolved | 1 - Information C A | Credit | Credit | Guarantor citizenship is Foreign Natl | Resolved-received translation of the borrower primary non us address - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Foreign address provided. - Seller-07/09/2025 <br>Counter-translated foreign permanent address required - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Non US address required - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Foreign address provided. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-received translation of the borrower primary non us address - Due Diligence Vendor-07/09/2025<br>| ID-Passport-XX (1).pdf<br> xxx xxx Address.png |  |  | OH | Investment | Purchase | NA | 4542746 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-23 05:09 | 2025-07-09 16:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. 1004D attached. - Seller-07/09/2025 <br>Counter-received 1025 appraisal, pg 3 says it is "made subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: see addenda"<br> Addendum on page 11 of the PDF states inspection needed for water accumulation in basement. 1004D not in in file - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Appraisal is Missing Provide Appraisal report. Appraisal report missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. 1004D attached. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/09/2025<br>| Value. Appraisal-XX02.XX.25.pdf<br> XX(xxx)-V3.pdf |  |  | OH | Investment | Purchase | NA | 4523168 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-24 15:27 | 2025-07-01 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-confirmed bwr is FN not non perm resident alien no other ID required - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Confirmed. Borrower is a FN. Israeli passport provided. - Seller-06/26/2025 <br>Open-we have Passport, application states non-perm resident alien w ITIN listed. DSCR loan Acceptance on page 172 has bwr as Foreign national.<br> - Due Diligence Vendor-06/24/2025 | Ready for Review-Confirmed. Borrower is a FN. Israeli passport provided. - Seller-06/26/2025<br>| Resolved-confirmed bwr is FN not non perm resident alien no other ID required - Due Diligence Vendor-07/01/2025<br>|  |  |  | OH | Investment | Purchase | NA | 4542581 | N/A | N/A |
| XX | 200532 |  |  | Closed | 2025-06-23 05:58 | 2025-06-27 10:55 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary valuation is Missing, Provided CDA, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. Secondary valuation missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Secondary valuation is Missing, Provided CDA, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/27/2025<br>| Value. CDA - XX.pdf |  |  | OH | Investment | Purchase | NA | 4523289 | N/A | N/A |
| XX | 200535 |  |  | Closed | 2025-06-23 06:32 | 2025-07-17 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Appraisal w/ rent schedule uploaded - Seller-06/26/2025 <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide Third party market rent estimate. Third party market rent estimate missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Appraisal w/ rent schedule uploaded - Seller-06/26/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-06/26/2025<br>| Value-Appraisal - XX.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4523382 | N/A | N/A |
| XX | 200535 |  |  | Closed | 2025-06-23 10:00 | 2025-07-15 17:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-final hud received - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Counter-Cd states no PPP - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Provide Final HUD-1 Document. Final HUD-1 Document missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-final hud received - Due Diligence Vendor-07/15/2025<br>| xxx-Signed Settlement.pdf<br> xxx - Signed ATLA.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4523879 | N/A | N/A |
| XX | 200535 |  |  | Closed | 2025-06-24 20:16 | 2025-06-26 22:36 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-IS in line now once received appraisal - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Were the monthly HOA dues of $430 included in your calculation? - Seller-06/26/2025 <br>Open-Getting DSCR of 1.519 and summary sheet has the DSCR at 1.052 - Due Diligence Vendor-06/24/2025 | Ready for Review-Were the monthly HOA dues of $430 included in your calculation? - Seller-06/26/2025<br>| Resolved-IS in line now once received appraisal - Due Diligence Vendor-06/26/2025<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4548138 | N/A | N/A |
| XX | 200535 |  |  | Closed | 2025-06-23 07:19 | 2025-06-26 22:36 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Updated property page - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. Secondary valuation missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Updated property page - Due Diligence Vendor-06/26/2025<br>| Value. CDA XX (#xxx).pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4523509 | N/A | N/A |
| XX | 200535 |  |  | Closed | 2025-06-23 06:55 | 2025-06-26 22:34 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Appraisal is Missing Provide Appraisal report. Appraisal report missing in file. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/26/2025<br>| Value-Appraisal - XX.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4523438 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-07-09 17:28 | 2025-07-09 18:44 | Acknowledged | 2 - Non-Material B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged- - Due Diligence Vendor-07/09/2025 <br>Resolved-The lack of Spousal Consent will not affect the enforceability of the note; however, in the event of default, the owner of the note may not have the ability to collect on the non-guarantor spouse's half of the asset(s). - Due Diligence Vendor-07/09/2025 |  | Resolved-The lack of Spousal Consent will not affect the enforceability of the note; however, in the event of default, the owner of the note may not have the ability to collect on the non-guarantor spouse's half of the asset(s). - Due Diligence Vendor-07/09/2025<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4752032 | Originator Post-Close | No |
| XX | 200573 |  |  | Closed | 2025-06-27 02:54 | 2025-07-09 17:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-07/09/2025 <br>Resolved-non perm resident shows a reduced LTV max of 75% - Due Diligence Vendor-07/08/2025 <br>Counter-non perm resident shows a reduced LTV max of 75% - Due Diligence Vendor-07/08/2025 <br>Rescinded-non fn - Due Diligence Vendor-07/08/2025 <br>Counter-GLs do not specify if there is a US citizen as guarantor 2 that FN limitation does not apply - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Guarantor 2 (Mohammed Hamad Amoodi) is a US Citizen; therefore, NPF/FN limitation does not apply. - Seller-06/30/2025 <br>Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Foreign National (w/ credit >=720) allowed only 70%. Audited CLTV of 75% exceeds Guideline CLTV of 70%<br> - Due Diligence Vendor-06/27/2025 | Ready for Review-Guarantor 2 (XX) is a US Citizen; therefore, NPF/FN limitation does not apply. - Seller-06/30/2025 | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-07/09/2025 <br>Resolved-non perm resident shows a reduced LTV max of 75% - Due Diligence Vendor-07/08/2025 <br>Rescinded-non fn - Due Diligence Vendor-07/08/2025<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4580868 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 06:52 | 2025-07-09 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third Party Market Rent Source (1007) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide Third party market rent estimate. Third party market rent estimate missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Third Party Market Rent Source (1007) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/01/2025<br>| Value_Appraisal.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537198 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 07:15 | 2025-07-09 16:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-received CDA Secondary Valuation or Additional Valuation is now present - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. CDA attached. - Seller-07/09/2025 <br>Open-Secondary valuation not in file. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. CDA attached. - Seller-07/09/2025<br>| Resolved-received CDA Secondary Valuation or Additional Valuation is now present - Due Diligence Vendor-07/09/2025<br>| xxx-CDA.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537247 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 07:15 | 2025-07-09 16:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/09/2025 <br>Resolved-Appraisal document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Appraisal is Missing Provide Appraisal report. Appraisal report missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/09/2025 <br>Resolved-Appraisal document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025<br>| Value_Appraisal.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537248 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 06:49 | 2025-07-09 11:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received DOT for subject loan - resolved - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Counter-received DOT for 1st lien, need Deed of Trust for subject loan. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-The Deed of Trust is Missing Provide Deed of Trust Document. Deed of Trust Document Missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-received DOT for subject loan - resolved - Due Diligence Vendor-07/09/2025<br>| xxx-Deed of Trust.pdf<br> Loan Docs - DOT Recorded (1).pdf<br> xxx Executed Mtg MHA.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537193 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 10:49 | 2025-07-08 15:06 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-One Guaranty Agreement has a signature for B1. Another Guaranty Agreement has a signature for B2. - Due Diligence Vendor-07/08/2025 <br>Counter-bwr 2 signature not received - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Provide Guaranty Document. Guaranty document missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-One Guaranty Agreement has a signature for B1. Another Guaranty Agreement has a signature for B2. - Due Diligence Vendor-07/08/2025<br>| #xxx - Guaranty 1.pdf<br> #xxx - Guaranty 2.pdf<br> xxx-Guaranty.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537848 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-27 02:12 | 2025-07-08 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Provide Borrower 1 Foreign Nation Citizenship Documents. Borrower 1 Citizenship Documents missing in file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/01/2025<br>| Passport_xxx.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4580784 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 06:47 | 2025-07-07 18:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-The Note is Missing Provide Note Document. Note document missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-The Note uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-07/03/2025<br>| xxx-xx Note.pdf<br> xxx-xx Note.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537188 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 06:43 | 2025-07-03 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Business Purpose Affidavit Disclosure. Business Affidavit Disclosure Missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025<br>| xxx-Busniess Purpose Affidavit.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537178 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 08:06 | 2025-07-03 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Provide HUD-1 Document. Final HUD-1/Final Settlement Statement Document is Missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Final HUD-1 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/03/2025<br>| xxx-Signed Settlement.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537376 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 08:04 | 2025-07-01 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Provide Title Commitment. Title Commitment Missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025<br>| Title - Commitment Final.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537370 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 08:05 | 2025-07-01 08:14 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Provide Property Tax Certificate. Tax Certificate Missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Property Tax Cert uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025<br>| Title. Title Commitment_Tax Cert_2.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537371 | N/A | N/A |
| XX | 200573 |  |  | Closed | 2025-06-24 08:02 | 2025-07-01 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Provide Lease Agreement. Lease agreement missing in file. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/01/2025<br>| Lease_xxx XX.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4537363 | N/A | N/A |
| XX | 2505158427 |  |  | Closed | 2025-06-24 11:50 | 2025-07-03 12:33 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Client clarification received and reviewed. LM has been updated and XXXX has been successfully run - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. PER Funding manager----the Mobile notary fee and the Recording service fee are listed on the SSPL. They are paid to xxx. The Individuals listed work for xxx. Please see printout attached. - Seller-07/01/2025 <br> Counter-Section B lists fees that the borrower cannot/did not shop for. If the borrower shopped for this fee, it should not be in this section - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Those 2 fees were shopped by borrower and not on the SSPL list - Seller-06/27/2025 <br> Open-Title fees (Mobile Notary Fee, Recording Service Fee) is paid to a provider that's not on providers list but is listed in section B - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. PER Funding manager----the Mobile notary fee and the Recording service fee are listed on the SSPL. They are paid to xxx. The Individuals listed work for xxx. Please see printout attached. - Seller-07/01/2025 <br> Ready for Review-Those 2 fees were shopped by borrower and not on the SSPL list - Seller-06/27/2025 | Resolved-Client clarification received and reviewed. LM has been updated and XXXX has been successfully run - Due Diligence Vendor-07/03/2025<br>| Screenshot 2025-07-01 xxx.jpg |  |  | CA | Primary Residence | Purchase | NA | 4538354 | N/A | N/A |
| XX | 2505158427 |  |  | Closed | 2025-06-24 06:29 | 2025-06-27 15:26 | Resolved | 1 - Information B A | Credit | Title Review | Title Review shows outstanding delinquent taxes | Resolved-Client clarification and confirmation of status of taxes has been provided. Resolved - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. Regarding the taxes – you'll see that the tax website reflects the supplemental taxes as "Not Available". (see attached email)This is because the County is in the process of reversing the Supplemental Taxes for 22/23 and 23/24 tax year as they should not have been charged. The transfer was a parent to child transfer and was exempt from re-assessment. We have held $8025.00 while we wait for the County to correct on their end. <br>Attached is a copy of the check for the $744.12 payment representing 24/25 Taxes and that check cleared our bank on 6/25/25. <br> - Seller-06/27/2025 <br>Open-As per page#713, we have delinquent taxes $3934.36, $268.32, $3350.92, which we are unable to confirm, if the same is paid at the closing or not, please provide proof or documentation for taxes to show delinquent taxes paid. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Regarding the taxes – you'll see that the tax website reflects the supplemental taxes as "Not Available". (see attached email)This is because the County is in the process of reversing the Supplemental Taxes for 22/23 and 23/24 tax year as they should not have been charged. The transfer was a parent to child transfer and was exempt from re-assessment. We have held $8025.00 while we wait for the County to correct on their end. <br>Attached is a copy of the check for the $744.12 payment representing 24/25 Taxes and that check cleared our bank on 6/25/25. <br> - Seller-06/27/2025<br>| Resolved-Client clarification and confirmation of status of taxes has been provided. Resolved - Due Diligence Vendor-06/27/2025<br>| Check_xxx_XXs.pdf<br> XX email taxes.pdf |  |  | CA | Primary Residence | Purchase | NA | 4537157 | N/A | N/A |
| XX | 2505158514 |  |  | Closed | 2025-06-25 14:43 | 2025-07-02 09:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD uploaded, Disbursement date of 06-23-2025 is same as the Hazard Insurance Effective Date of 06-23-2025, Verified - Resolved<br> - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. please see PCCD. Loan disbursed 6/23/25, same as effective date of HOI. Please clear. - Seller-07/01/2025 <br>Open-Hazard Insurance Effective Date of 06-23-2025 is after the Note Date of 06-18-2025 Hazard Insurance effective date is 06/23/2025, which is after disbursement date 06/20/2025 - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. please see PCCD. Loan disbursed 6/23/25, same as effective date of HOI. Please clear. - Seller-07/01/2025<br>| Resolved-PCCD uploaded, Disbursement date of 06-23-2025 is same as the Hazard Insurance Effective Date of 06-23-2025, Verified - Resolved<br> - Due Diligence Vendor-07/02/2025<br>| PCCD XX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 4555847 | N/A | N/A |
| XX | 2505158514 |  |  | Closed | 2025-06-26 06:13 | 2025-07-02 09:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/02/2025 <br>Resolved-The loan's (9.285%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 483 and the Final Closing disclosure on Pg#'s 320, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 309. An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38, 39, and confirmation the appraisal was delivered to the borrower – see Pg#'s 40, 541. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025 <br>Open- - Due Diligence Vendor-06/26/2025 |  | Resolved- - Due Diligence Vendor-07/02/2025 <br>Resolved-The loan's (9.285%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 483 and the Final Closing disclosure on Pg#'s 320, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 309. An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38, 39, and confirmation the appraisal was delivered to the borrower – see Pg#'s 40, 541. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 4566511 | N/A | N/A |
| XX | 2505157947 |  |  | Closed | 2025-06-26 14:04 | 2025-07-25 20:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/25/2025 <br>Open- - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. The increase in points was done on the 6/13/25 CD, not 6/16/25. The CD and COC are in attached. - Seller-07/23/2025 <br>Counter-The points on the initial CD dated 6/9/2025 is $16,215 and the final CD dated 6/16/2025 is $18,941. Provide COC for the 6/16/2025. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. See attached COC's. - Seller-07/01/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Final CD as Points increased from Initial CD to Final CD. - Due Diligence Vendor-06/26/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. The increase in points was done on the 6/13/25 CD, not 6/16/25. The CD and COC are in attached. - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. See attached COC's. - Seller-07/01/2025<br>| Resolved-Resolved - Due Diligence Vendor-07/25/2025<br>| COC XX.pdf<br> COC XX.pdf<br> 06.13 cd.pdf |  |  | PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4569780 | N/A | N/A |
| XX | 2505158385 |  |  | Closed | 2025-06-27 07:02 | 2025-07-03 15:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Meets HPML guidelines - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Resolved-Appraisal delivery confirmation uploaded. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. Appraisal delivery confirmation - Seller-07/02/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.591%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) Provide Borrower certification of Appraisal delivery document which is missing from file to meet HPML requirements.<br> 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s470 and the Final Closing disclosure on Pg#'s271-275, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s263, 482-484. An interior and exterior appraisal was completed for this property – see pg #27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s528, and confirmation the appraisal was delivered to the borrower is missing from loan file.<br> - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Appraisal delivery confirmation - Seller-07/02/2025<br>| Resolved-Meets HPML guidelines - Due Diligence Vendor-07/03/2025 <br>Resolved-Appraisal delivery confirmation uploaded. - Due Diligence Vendor-07/03/2025<br>| XX appraisal delivery.pdf |  |  | MD | Primary Residence | Purchase | NA | 4581531 | N/A | N/A |
| XX | 2505158385 |  |  | Closed | 2025-07-03 15:49 | 2025-07-03 15:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.591%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) Meets HPML guidelines - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-The loan's (8.591%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) Meets HPML guidelines - Due Diligence Vendor-07/03/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4652782 | N/A | N/A |
| XX | 2506160741 |  |  | Closed | 2025-06-27 09:23 | 2025-08-08 15:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Updated Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/08/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Fully executed initial 1003 attached. - Seller-07/07/2025 <br>Open-The Initial 1003 is Missing Loan Originator Signature on Initial 1003 is Missing, Provide updated Initial 1003 - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Fully executed initial 1003 attached. - Seller-07/07/2025<br>| Resolved-Updated Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/08/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/08/2025<br>| Initial 1003 (fully executed).pdf |  |  | MT | Investment | Refinance | Cash Out - Other | 4582086 | N/A | N/A |
| XX | 2506160741 |  |  | Closed | 2025-06-26 09:56 | 2025-07-09 16:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated HUD received and reviewed. LMN has been updated - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Updated HUD-1 Settlement Statement showing $74,842.19 PPP attached. - Seller-07/07/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Maximum Prepayment Penalty Amount on the Note reflects $74,842.19, whereas the Final HUD-1 reflects a Maximum Prepayment Penalty Amount of $75,951.75.<br> - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Updated HUD-1 Settlement Statement showing $74,842.19 PPP attached. - Seller-07/07/2025<br>| Resolved-Updated HUD received and reviewed. LMN has been updated - Due Diligence Vendor-07/09/2025<br>| Updated HUD-1.pdf |  |  | MT | Investment | Refinance | Cash Out - Other | 4567105 | N/A | N/A |
| XX | 2505156791 |  |  | Closed | 2025-06-26 18:42 | 2025-07-01 17:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.294%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#379-380 and the Final Closing disclosure on Pg#230, Finding reflects escrows. Rate lock date was entered correctly – see Pg#220. An interior and exterior appraisal was completed for this property – see pg #26, the appraisal disclosure is provided on Page #480-481, and confirmation the appraisal was delivered to the borrower – see Pg#268. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025 <br>Open- - Due Diligence Vendor-07/01/2025 <br>Open- - Due Diligence Vendor-06/26/2025 |  | Resolved-The loan's (9.294%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#379-380 and the Final Closing disclosure on Pg#230, Finding reflects escrows. Rate lock date was entered correctly – see Pg#220. An interior and exterior appraisal was completed for this property – see pg #26, the appraisal disclosure is provided on Page #480-481, and confirmation the appraisal was delivered to the borrower – see Pg#268. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4575886 | N/A | N/A |
| XX | 2503152188 |  |  | Closed | 2025-06-27 06:23 | 2025-07-23 21:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Final 1003 and 1008 income updated. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Counter-Requesting to provide updated Final 1003 with updated income. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Counter-Provide updated 1008 reflecting the ownership and income listed on the previously provided - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Qualifying income as per Final 1003 and 1008 reflects $8,492.50 with 100% ownership, but as per the CPA letter, the borrower is qualified with 99% ownership, and the calculated income is $8,392.33. Provide updated Final 1003 and 1008 with corrected income.<br> - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Final 1003 and 1008 income updated. - Due Diligence Vendor-07/23/2025<br>| XX Inc.pdf<br> 1008 XX.pdf<br> XX 1003.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 4581396 | N/A | N/A |
| XX | 2503152188 |  |  | Closed | 2025-06-27 03:47 | 2025-07-11 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-The previously provided is corrupt and cannot be opened for review. Can you please reupload the PDF? - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower has owned the current property at "XXX" for 4 months, and as per the lox on page #395, the borrower applied for a mortgage to pay off the loan on his residence. provide proof if the property is financed to verify the current property housing history.<br> - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/11/2025<br>| XX housing.pdf<br> XX housing credit.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 4580974 | N/A | N/A |
| XX | 2503152188 |  |  | Closed | 2025-06-27 03:27 | 2025-07-08 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. As per CPA letter borrower is qualified with 99% Ownership but the Lender Income Worksheet qualifies with 100% Ownership Income - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-07/08/2025<br>| XX Inc.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 4580929 | N/A | N/A |
| XX | 2503152188 |  |  | Closed | 2025-06-30 19:15 | 2025-07-03 16:35 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-The updated Lender Approval provided. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Open-The Lender Approval page 453 shows Core Non-NQM with a Matrix date of 02/14/25. The Matrix 02/14/25 does not have a Core matrix section. Requesting to provide updated Lender Approval. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-The updated Lender Approval provided. - Due Diligence Vendor-07/03/2025<br>| XX Approval.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 4606682 | N/A | N/A |
| XX | 2505158585 |  |  | Closed | 2025-06-29 18:19 | 2025-06-29 18:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.029%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 632 and the Final Closing disclosure on Pg#'s 428, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17,18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025 <br>Open- - Due Diligence Vendor-06/29/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.029%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 632 and the Final Closing disclosure on Pg#'s 428, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17,18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4596991 | N/A | N/A |
| XX | 2505158585 |  |  | Closed | 2025-06-29 18:19 | 2025-06-29 18:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.029%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 632 and the Final Closing disclosure on Pg#'s 428, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17,18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025 <br>Open- - Due Diligence Vendor-06/29/2025 |  | Resolved-The loan's (9.029%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 632 and the Final Closing disclosure on Pg#'s 428, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17,18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4596990 | N/A | N/A |
| XX | 2505158669 |  |  | Closed | 2025-06-29 12:28 | 2025-07-07 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-C uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/04/2025 <br>Open-Borrower 2 Executed 4506-T Missing Provide Borrower 2 Executed 4506-T which is missing from loan file. - Due Diligence Vendor-06/29/2025 | Ready for Review-Document Uploaded. - Seller-07/04/2025<br>| Resolved-Borrower 2 Executed 4506-C uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/07/2025<br>| xxx B2 4506C.pdf |  |  | OH | Primary Residence | Purchase | NA | 4596346 | N/A | N/A |
| XX | 2505158669 |  |  | Closed | 2025-06-29 12:56 | 2025-07-02 17:53 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception page 290. B2 has 2 tradelines reporting for 12 months and 3rd tradeline reporting 11 months. The 3rd tradeline is short by 1 month. Need a credit supplement for xxx #xx showing months reviewed 11 months and DLA 6/2025. DLA (date last activity) on the credit report reflects 5/2025 and months reviewed reflects 10 months. - Due Diligence Vendor-06/29/2025 |  | Waived-Exception page 290. B2 has 2 tradelines reporting for 12 months and 3rd tradeline reporting 11 months. The 3rd tradeline is short by 1 month. Need a credit supplement for xxx #xx showing months reviewed 11 months and DLA 6/2025. DLA (date last activity) on the credit report reflects 5/2025 and months reviewed reflects 10 months. - Due Diligence Vendor-06/29/2025 |  |  | Comp Factor #1: Residual income 4k, minimum required $1250<br> Comp Factor #2: Borrowers FICO score 707, Minimum required 600. | OH | Primary Residence | Purchase | NA | 4596380 | Originator Pre-Close | Yes |
| XX | 2505158669 |  |  | Closed | 2025-06-29 09:04 | 2025-07-03 13:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.398%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s282 and the Final Closing disclosure on Pg#'s 147-152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s159-164, 144. An interior and exterior appraisal was completed for this property – see pg#30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s383, and confirmation the appraisal was delivered to the borrower – see Pg#'s188. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/29/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-06/29/2025 |  | Resolved-The loan's (9.398%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s282 and the Final Closing disclosure on Pg#'s 147-152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s159-164, 144. An interior and exterior appraisal was completed for this property – see pg#30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s383, and confirmation the appraisal was delivered to the borrower – see Pg#'s188. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/29/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 4596195 | N/A | N/A |
| XX | 2504156138 |  |  | Closed | 2025-06-30 06:57 | 2025-07-03 18:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.061%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#520 and the Final Closing disclosure on Pg#193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#179. An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#'587, and confirmation the appraisal was delivered to the borrower – see Pg#'19-26,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.061%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#520 and the Final Closing disclosure on Pg#193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#179. An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#'587, and confirmation the appraisal was delivered to the borrower – see Pg#'19-26,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4598299 | N/A | N/A |
| XX | 2504156138 |  |  | Closed | 2025-06-30 06:57 | 2025-07-03 18:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.061%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#520 and the Final Closing disclosure on Pg#193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#179. An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#'587, and confirmation the appraisal was delivered to the borrower – see Pg#'19-26,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-The loan's (9.061%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#520 and the Final Closing disclosure on Pg#193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#179. An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#'587, and confirmation the appraisal was delivered to the borrower – see Pg#'19-26,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4598298 | N/A | N/A |
| XX | 2506159458 |  |  | Closed | 2025-07-01 04:49 | 2025-07-11 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower is ITIN, provided Non-US citizen document is DPI which is both a national ID card and a voter ID, per GLs voter ID is acceptable even if is expired, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Hi, the borrower is an ITIN Borrower. We just need 2 forms of IDs. Does not matter if the IDs expired. - Seller-07/10/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. We have the personal identification card in file on page #391 without expiration date , Provide the B1 Non-US Citizen Identification Document. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Hi, the borrower is an ITIN Borrower. We just need 2 forms of IDs. Does not matter if the IDs expired. - Seller-07/10/2025<br>| Resolved-Borrower is ITIN, provided Non-US citizen document is DPI which is both a national ID card and a voter ID, per GLs voter ID is acceptable even if is expired, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/11/2025<br>| xxx_XX_ITIN Borrower.pdf |  |  | CA | Primary Residence | Purchase | NA | 4611322 | N/A | N/A |
| XX | 2506159458 |  |  | Closed | 2025-07-01 05:43 | 2025-07-09 16:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD received. XXXX run successfully - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025 <br>Open-As per gift letters and wire transfers, the Gift Funds for $80,000 are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025<br>| Resolved-PCCD received. XXXX run successfully - Due Diligence Vendor-07/09/2025<br>| xxx_XX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4611459 | N/A | N/A |
| XX | 2505159033 |  |  | Closed | 2025-06-30 09:27 | 2025-07-07 11:22 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-The loan's (9.233%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-06/30/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-The loan's (9.233%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-06/30/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4598619 | N/A | N/A |
| XX | 2505159033 |  |  | Closed | 2025-06-30 09:27 | 2025-07-07 11:22 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.233%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.233%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#134. An interior and exterior appraisal was completed for this property – see pg #20, the appraisal disclosure is provided on Page #421, and confirmation the appraisal was delivered to the borrower – see Pg#18. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4598620 | N/A | N/A |
| XX | 2505158823 |  |  | Closed | 2025-07-01 08:16 | 2025-07-08 14:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.474%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 313, 289 and the Final Closing disclosure on Pg#'s 150, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 333. An interior and exterior appraisal was completed for this property – see pg# 28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 395, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/01/2025 <br>Open- - Due Diligence Vendor-07/08/2025 <br>Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-The loan's (8.474%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 313, 289 and the Final Closing disclosure on Pg#'s 150, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 333. An interior and exterior appraisal was completed for this property – see pg# 28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 395, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/01/2025<br>|  |  |  | MO | Primary Residence | Purchase | NA | 4611976 | N/A | N/A |
| XX | 2506159503 |  |  | Closed | 2025-07-08 21:51 | 2025-08-08 15:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/10/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided . - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. attached - Seller-07/10/2025<br>| Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-07/11/2025<br>| XX 1003.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 4740748 | N/A | N/A |
| XX | 2506159503 |  |  | Closed | 2025-07-08 22:58 | 2025-07-24 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved', Guaranty received with borrowers information. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Personal guaranty in name of borrower, and signed by borrower, and notarized. Please review. - Seller-07/21/2025 <br>Counter-Correct document is not attached. Personal Guaranty page 335 is not identified as individual and is not signed/dated by the borrower. Document is showing as business and not individual for personal guarantee. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-please see attached. - Seller-07/17/2025 <br>Counter-Personal Guaranty page 335 is not identified as individual and is not signed/dated by the borrower. Document is showing as business and not individual for personal guarantee. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty uploaded. This document is fully executed, and notarized. - Seller-07/10/2025 <br>Open-Personal Guaranty page 335 is not identified as individual and is not signed/dated. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Personal guaranty in name of borrower, and signed by borrower, and notarized. Please review. - Seller-07/21/2025 <br>Ready for Review-please see attached. - Seller-07/17/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty uploaded. This document is fully executed, and notarized. - Seller-07/10/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved', Guaranty received with borrowers information. - Due Diligence Vendor-07/23/2025<br>| personal guaranty.pdf<br> Personal Guaranty XX.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 4741558 | N/A | N/A |
| XX | 2506159503 |  |  | Closed | 2025-07-02 10:18 | 2025-07-16 10:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $560000 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/16/2025 <br>Resolved-Title Coverage Amount of $560000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/15/2025 <br>Open-Title Coverage Amount of $520000 is Less than Loan Amount Provide updated Title document, as it is less than loan amount. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. attached - Seller-07/15/2025<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $560000 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/16/2025 <br>Resolved-Title Coverage Amount of $560000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/16/2025<br>| Loan Policy.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 4627309 | N/A | N/A |
| XX | 2505159067 |  |  | Closed | 2025-07-02 13:34 | 2025-07-16 18:45 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-07/16/2025 <br> Resolved-Access letter for Account statement #xxx uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Acct #xxx held by B1 and Other. Provide LOE for 100% funds access required. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-07/16/2025 <br> Resolved-Access letter for Account statement #xxx uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 | xxx_XX_access letter.pdf |  |  | CA | Primary Residence | Purchase | NA | 4628937 | N/A | N/A |
| XX | 2505159067 |  |  | Closed | 2025-07-02 14:17 | 2025-07-15 19:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Provide PCCD to allow for the three day waiting period for COC re-disclosed dated 6/24/2025 same date final CD. - Due Diligence Vendor-07/15/2025 <br>Counter-Provide PCCD to allow for the three day waiting period for COC re-disclosed dated 6/24/2025 same date final CD. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Not sure what 3 days you are referring to. The initial CD was on 6/4. The borrower did not sign until 6/24. This already pass the 3 days. Attached is the PCCD. - Seller-07/11/2025 <br>Ready for Review-Please advise what is needed here. The COC does shows the credits go from $2,560 to $1,280. - Seller-07/09/2025 <br>Open- - Due Diligence Vendor-07/08/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,560.00). The Last CD shows a total lender credit amount of ($1,280.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased from Initial CD($2560) to Final CD($1280) and COC provided in file pg#97. - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Not sure what 3 days you are referring to. The initial CD was on 6/4. The borrower did not sign until 6/24. This already pass the 3 days. Attached is the PCCD. - Seller-07/11/2025 <br>Ready for Review-Please advise what is needed here. The COC does shows the credits go from $2,560 to $1,280. - Seller-07/09/2025<br>| Resolved- - Due Diligence Vendor-07/15/2025<br>| xxx_XX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4629542 | N/A | N/A |
| XX | 2505159067 |  |  | Closed | 2025-07-08 22:54 | 2025-07-11 17:27 | Resolved | 1 - Information C A | Credit | Credit | Missing proof of debt payoff(s) | Resolved-Confirmed XXX paid off prior to closing. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. It's on pages 103 - 107 of our pacakge. - Seller-07/09/2025 <br> Open-Mechanics Bank Auto tradeline is excluded from liabilities with no proof of payoff in file. Provide evidence this trade has been paid off. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. It's on pages 103 - 107 of our pacakge. - Seller-07/09/2025<br>| Resolved-Confirmed Mech Bank paid off prior to closing. - Due Diligence Vendor-07/11/2025<br>| xxx_XX_Debt Paid Off.pdf |  |  | CA | Primary Residence | Purchase | NA | 4741521 | N/A | N/A |
| XX | 2505159067 |  |  | Closed | 2025-07-02 14:17 | 2025-07-16 18:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Resolved-The loan's (8.757%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s296 and the Final Closing disclosure on Pg#'s100-105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s#305. An interior and exterior appraisal was completed for this property – see pg#28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s375, and confirmation the appraisal was delivered to the borrower – see Pg#'182. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/08/2025 <br>Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-. - Due Diligence Vendor-07/16/2025 <br>Resolved-The loan's (8.757%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s296 and the Final Closing disclosure on Pg#'s100-105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s#305. An interior and exterior appraisal was completed for this property – see pg#28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s375, and confirmation the appraisal was delivered to the borrower – see Pg#'182. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4629543 | N/A | N/A |
| XX | 2505159067 |  |  | Closed | 2025-07-02 14:17 | 2025-07-16 18:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Resolved-. - Due Diligence Vendor-07/15/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.757%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s296 and the Final Closing disclosure on Pg#'s100-105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s#305. An interior and exterior appraisal was completed for this property – see pg#28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s375, and confirmation the appraisal was delivered to the borrower – see Pg#'182. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/08/2025 <br>Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-. - Due Diligence Vendor-07/16/2025 <br>Resolved-. - Due Diligence Vendor-07/15/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/15/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.757%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s296 and the Final Closing disclosure on Pg#'s100-105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s#305. An interior and exterior appraisal was completed for this property – see pg#28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s375, and confirmation the appraisal was delivered to the borrower – see Pg#'182. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4629544 | N/A | N/A |
| XX | 2505157663 |  |  | Closed | 2025-07-02 07:23 | 2025-07-14 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 38.97% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-07/14/2025 <br>Resolved-Audited DTI of 38.39% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-07/09/2025 <br>Open-. - Due Diligence Vendor-07/09/2025 <br>Rescinded-Audited DTI of 64.59% exceeds Guideline DTI of 45% DTI is not within C/L DTI , Variance in Subject property Negative Cash flow amount. - Due Diligence Vendor-07/02/2025 |  | Resolved-Audited DTI of 38.97% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-07/14/2025 <br>Resolved-Audited DTI of 38.39% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-07/09/2025 <br>Rescinded-Audited DTI of 64.59% exceeds Guideline DTI of 45% DTI is not within C/L DTI , Variance in Subject property Negative Cash flow amount. - Due Diligence Vendor-07/02/2025<br>|  |  |  | WA | Investment | Purchase | NA | 4626926 | N/A | N/A |
| XX | 2505157663 |  |  | Closed | 2025-07-02 07:13 | 2025-07-14 16:45 | 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-07/14/2025 <br>Resolved-Client provided evidence the primary residence is a commercial property not required to include in DTI per GL. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-1008 in file does not contain the primary housing expense to accurately reflect the HTI & DTI accurately (Primary $988.62). Provide revised 1008. - Due Diligence Vendor-07/09/2025 <br>Open-The 1008 document is missing from the loan file. Incorrect Negative cash flow reflecting in 1008. Provide updated 1008 document. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/14/2025 <br>Resolved-Client provided evidence the primary residence is a commercial property not required to include in DTI per GL. - Due Diligence Vendor-07/14/2025<br>| XX.pdf |  |  | WA | Investment | Purchase | NA | 4626901 | N/A | N/A |
| XX | 2505157663 |  |  | Closed | 2025-07-02 07:23 | 2025-07-09 14:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Rescinded-Revised lra. - Due Diligence Vendor-07/09/2025 <br>Open-Audited DTI Exceeds Guideline DTI DTI is not within C/L DTI , Variance in Subject property Negative Cash flow amount. - Due Diligence Vendor-07/02/2025 |  | Rescinded-Revised lra. - Due Diligence Vendor-07/09/2025<br>|  |  |  | WA | Investment | Purchase | NA | 4626928 | N/A | N/A |
| XX | 2504155713 |  |  | Closed | 2025-07-02 11:44 | 2025-07-09 08:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Final 1003 & 1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-As per CPA on page 192 Borrower 1 & Borrower 2 each has 50% Ownership in business "xxx" but 1003 considered 100% Ownership for Borrower 1 Income & No Income for Borrower 2. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Updated Final 1003 & 1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/09/2025<br>| xxx_XX_1008.pdf<br> xxx_XX_1003.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4627749 | N/A | N/A |
| XX | 2505156957 |  |  | Closed | 2025-07-02 06:19 | 2025-07-24 22:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 with corrected Qualifying Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-The Final 1003 is Missing 1003 shows income of $24,818 whereas 1008 & worksheet shows $18,097.47 provide updated 1003 with correct income. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Updated Final 1003 with corrected Qualifying Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025<br>| xxx XX 1003.pdf |  |  | CA | Primary Residence | Purchase | NA | 4626714 | N/A | N/A |
| XX | 2505156957 |  |  | Closed | 2025-07-02 06:55 | 2025-07-21 18:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Reopened with XXXX run. HPML checks have been confirmed and passed. Resolved - Due Diligence Vendor-07/21/2025 <br>Open- - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-is this resolved? condition is open - Seller-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Resolved-The loan's (9.382%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-is this resolved? condition is open - Seller-07/09/2025<br>| Resolved-Reopened with XXXX run. HPML checks have been confirmed and passed. Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-The loan's (9.382%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4626840 | N/A | N/A |
| XX | 2505156957 |  |  | Closed | 2025-07-02 06:55 | 2025-07-21 18:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Reopened with XXXX run. HPML checks have been confirmed and passed. Resolved - Due Diligence Vendor-07/21/2025 <br>Open- - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-same with this one. condition is open but says resolved - Seller-07/09/2025 <br>Open- - Due Diligence Vendor-07/09/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-same with this one. condition is open but says resolved - Seller-07/09/2025<br>| Resolved-Reopened with XXXX run. HPML checks have been confirmed and passed. Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.382%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entere<br> d correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#383 and the Final Closing disclosure on Pg#142, Finding reflects escrows. Rate lock date was entered correctly – see Pg#139. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#433, and confirmation the appraisal was delivered to the borrower – see Pg#'138,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4626841 | N/A | N/A |
| XX | 2505156957 |  |  | Closed | 2025-07-02 06:13 | 2025-07-18 05:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire Transfer for Gift Fund $XXX provided on Page #569-572, Verified - Resolved - Due Diligence Vendor-07/18/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Please refer to page 514 of loan package, there were two split payments, one for 25,000 and one for 27,700 page 516 of loan package. Gift donor xxx - Seller-07/17/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements pg#361 shows The Gift of $xxx is missing the Wire Transfer. provide the Wire Transfer or Check. - Due Diligence Vendor-07/02/2025 | Ready for Review-Please refer to page 514 of loan package, there were two split payments, one for XX and one for XX page 516 of loan package. Gift donor xxx - Seller-07/17/2025 | Resolved-Wire Transfer for Gift Fund $xxx provided on Page #569-572, Verified - Resolved - Due Diligence Vendor-07/18/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/18/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 4626708 | N/A | N/A |
| XX | 2505158400 |  |  | Closed | 2025-07-03 08:17 | 2025-07-16 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV As per the latest guidelines 04-17-2025 for condominium max LTV 85% Hence updated the same. (Audited LTV of 90% exceeds Guideline LTV of 85%)<br> Property is a condo per the appraisal. Exception approval for an LTV increase. Per guides, mac LTV is 85%. LTV approved for 90% - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Please see attached exception that was previous uploaded in package, thank you! - Seller-07/14/2025 <br>Open-Audited LTV Exceeds Guideline LTV As per the latest guidelines 04-17-2025 for condominium max LTV 85% Hence updated the same. (Audited LTV of 90% exceeds Guideline LTV of 85%) - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached exception that was previous uploaded in package, thank you! - Seller-07/14/2025<br>| Waived-Audited LTV Exceeds Guideline LTV As per the latest guidelines 04-17-2025 for condominium max LTV 85% Hence updated the same. (Audited LTV of 90% exceeds Guideline LTV of 85%)<br> Property is a condo per the appraisal. Exception approval for an LTV increase. Per guides, mac LTV is 85%. LTV approved for 90% - Due Diligence Vendor-07/16/2025<br>| xxx EXCEPTION.pdf |  | Borrower has greater than 12 months reserves after close of purchase<br> Borrower has excellent credit history with no late payments listed in over 10 years. | VA | Primary Residence | Purchase | NA | 4646916 | Originator Post-Close | Yes |
| XX | 2505158400 |  |  | Closed | 2025-07-03 11:15 | 2025-07-16 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Executed Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing We have Purchase contact document in file but seller signature and date is missing , Provide the updated purchase contract document. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Executed Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/16/2025<br>| xxx PURCHASE CONTRACT.pdf |  |  | VA | Primary Residence | Purchase | NA | 4647641 | N/A | N/A |
| XX | 2505158400 |  |  | Closed | 2025-07-03 11:18 | 2025-07-16 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-The 1008 document is missing from the loan file. As per the note document P&I amount is $2,359.73 where as it is in 1008 document $2,302.57, Provide the updated 1008 document with P&I amount of $2,359.73 - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Updated 1008 Document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/16/2025<br>| xxxUPDATED 1008.pdf |  |  | VA | Primary Residence | Purchase | NA | 4647668 | N/A | N/A |
| XX | 2505157546 |  |  | Closed | 2025-07-03 08:51 | 2025-07-17 21:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Meets HPML - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/10/2025 <br>Resolved-The loan's (9.014%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305, 264 and the Final Closing disclosure on Pg#'s 100, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 309. An interior and exterior appraisal was completed for this property – see pg# 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 350, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Meets HPML - Due Diligence Vendor-07/17/2025 <br>Resolved-The loan's (9.014%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305, 264 and the Final Closing disclosure on Pg#'s 100, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 309. An interior and exterior appraisal was completed for this property – see pg# 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 350, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 4646985 | N/A | N/A |
| XX | 2505158867 |  |  | Closed | 2025-07-08 10:30 | 2025-07-31 17:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Insurance policy from 7/02/2024 to 7/02/2025 and then 7/02/2025 to 7/02/2026 received. No gap in coverage. Resolved. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. current and renewal attached. please review for no gap in coverage<br> - Seller-07/31/2025 <br>Open-Hazard Insurance Effective Date of 07-02-2025 is after the Note Date of 06-24-2025 • Hazard Insurance Effective Date of 07-02-2025 is after the Note Date of 06-24-2025 and the Disbursement Date of 06-30-2025. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. current and renewal attached. please review for no gap in coverage<br> - Seller-07/31/2025<br>| Resolved-Insurance policy from 7/02/2024 to 7/02/2025 and then 7/02/2025 to 7/02/2026 received. No gap in coverage. Resolved. - Due Diligence Vendor-07/31/2025<br>| Renewal Dec Page.pdf<br>Dec Page 2024-2025.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4719082 | N/A | N/A |
| XX | 2505158867 |  |  | Closed | 2025-07-08 11:06 | 2025-07-31 17:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC received. System updated. Resolved. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). • City/County Tax/Stamps increased from $4,550 on the Initial CD to $4,564 on the Final CD. Also Transfer Taxes increased from $2,600 on the Initial CD to $2,608 on the Final CD. Together, this was an increase from $7,150 to $7,172. - Due Diligence Vendor-07/08/2025 <br>Open- - Due Diligence Vendor-07/11/2025 <br>Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-COC received. System updated. Resolved. - Due Diligence Vendor-07/31/2025<br>| coc 06.20.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4719276 | N/A | N/A |
| XX | 2506160143 |  |  | Closed | 2025-07-11 13:46 | 2025-07-21 13:08 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Corrected 1003 & 1008 received to match the credit report provided. System updated. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Borrower 1 Credit Report is Partially Present. • The credit debt amounts on the Credit Report provided (dated 6/26/2025, which is only 1 day before Closing) does not match the debt amounts as listed on the Final 1003. Unable to determine if there is a different credit report used for qualifying. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Corrected 1003 & 1008 received to match the credit report provided. System updated. - Due Diligence Vendor-07/21/2025<br>| xxx XX final 1003.pdf |  |  | CA | Primary Residence | Purchase | NA | 4779715 | N/A | N/A |
| XX | 2506160143 |  |  | Closed | 2025-07-10 14:16 | 2025-07-21 14:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan's (8.748%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s374-375 and the Final Closing disclosure on Pg#'s106-112, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s102, 382-384. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s429, and confirmation the appraisal was delivered to the borrower – see Pg#'s179. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/11/2025 <br>Open- - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/10/2025 |  | Resolved-. - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan's (8.748%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s374-375 and the Final Closing disclosure on Pg#'s106-112, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s102, 382-384. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s429, and confirmation the appraisal was delivered to the borrower – see Pg#'s179. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4764297 | N/A | N/A |
| XX | 2506160143 |  |  | Closed | 2025-07-10 14:16 | 2025-07-21 14:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.748%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s374-375 and the Final Closing disclosure on Pg#'s106-112, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s102, 382-384. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s429, and confirmation the appraisal was delivered to the borrower – see Pg#'s179. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/11/2025 <br>Open- - Due Diligence Vendor-07/10/2025 <br>Open- - Due Diligence Vendor-07/10/2025 |  | Resolved-. - Due Diligence Vendor-07/21/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.748%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s374-375 and the Final Closing disclosure on Pg#'s106-112, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s102, 382-384. An interior and exterior appraisal was completed for this property – see pg#16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s429, and confirmation the appraisal was delivered to the borrower – see Pg#'s179. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4764298 | N/A | N/A |
| XX | 2502147297 |  |  | Closed | 2025-07-10 13:31 | 2025-07-17 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Lease is from April 2024-April 2025. 12 for former address months. Current address rent free at XXX is temporary agreement untill he is ready to move into his new home. - Seller-07/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower currently living in rental free residence from April 2025 as per lox on pg#518, which is not meeting 12 months required history. However, borrower was previously lived in Rental home, but no proof of rental history appears to verify the same. The lease agreement for borrower previous residence on pg#467-516 which is not sufficient to verify the rental history. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Lease is from April 2024-April 2025. 12 for former address months. Current address rent free at XX is temporary agreement untill he is ready to move into his new home. - Seller-07/15/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025<br>| xxx XX Lease agreement.pdf<br> xxx XX rent free letter.pdf |  |  | AZ | Primary Residence | Purchase | NA | 4763613 | N/A | N/A |
| XX | 2502147297 |  |  | Closed | 2025-07-10 13:34 | 2025-07-17 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative received. Comments have been updated - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-As per CPA on pg#276 borrower owns 50% of ownership on XXX business, whereas self-business narrative doc on pg#378 is showing 100% of ownership in the business. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Business narrative received. Comments have been updated - Due Diligence Vendor-07/17/2025<br>| xxx XX UW cert.pdf |  |  | AZ | Primary Residence | Purchase | NA | 4763644 | N/A | N/A |
| XX | 2506159900 |  |  | Closed | 2025-07-15 14:41 | 2025-07-18 13:44 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Please advise - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. The interest is correct. The loan funded on 7/XX. Interest is collected on 7/XX. I also sent the PCCD for the other condition. I'm attaching it here too. - Seller-07/16/2025 <br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code 2948.5) The prepaid interest date was not was not updated from XX/XX/20XX. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Please advise - Seller-07/17/2025 <br>Ready for Review-Document Uploaded. The interest is correct. The loan funded on 7/2. Interest is collected on 7/2. I also sent the PCCD for the other condition. I'm attaching it here too. - Seller-07/16/2025<br>| Resolved-Resolved - Due Diligence Vendor-07/18/2025<br>| xxx_XX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4819160 | N/A | N/A |
| XX | 2506159900 |  |  | Closed | 2025-07-11 04:21 | 2025-07-17 20:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Please advise - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please double check. All the fee you mention did not increase from the initial CD to the Final CD. The Archive fee actually went down from $175 on the initial CD to $85 on the Final CD. All the other fees are the same. The only fee that went up was the Recording Fee from $181 on the initial CD to $300 on the Final CD. That's what the COC is for. Even with all of these. The Final Charge for the Recording fee went down to $110 as shown on the PCCD. - Seller-07/16/2025 <br> Counter-The total amount of the 10% category fees on the last Closing Disclosure ($XXX has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee, Lender's Title Policy, Messenger Fee, Archive Fee, Sub-Escrow Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). COC didnt cover the fail. The following fee(s) have either increased from their baseline disclosure or have been recently added: (Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee, Lender's Title Policy, Messenger Fee, Archive Fee, Sub-Escrow Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-Provide the COC for Final cd. - Due Diligence Vendor-07/11/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($8,904.00) has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Wire Transfer Fee, Lender's Title Policy, Loan Warehousing Fee, Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 | Ready for Review-Please advise - Seller-07/17/2025 <br>Ready for Review-Document Uploaded. Please double check. All the fee you mention did not increase from the initial CD to the Final CD. The Archive fee actually went down from $175 on the initial CD to $85 on the Final CD. All the other fees are the same. The only fee that went up was the Recording Fee from $181 on the initial CD to $300 on the Final CD. That's what the COC is for. Even with all of these. The Final Charge for the Recording fee went down to $110 as shown on the PCCD. - Seller-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved- - Due Diligence Vendor-07/17/2025<br>| xxx_XX_COC 7-1.pdf<br> xxx_XX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4776896 | N/A | N/A |
| XX | 2506159900 |  |  | Closed | 2025-07-11 04:21 | 2025-07-17 20:20 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Please advise. - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Rescinded-The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee, Lender's Title Policy, Messenger Fee, Archive Fee, Sub-Escrow Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Rescinded-The total amount of the 10% category fees ($8,904.00) has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Wire Transfer Fee, Lender's Title Policy, Loan Warehousing Fee, Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/11/2025 <br> Rescinded-Duplicate rescinded. Provide the COC for Final cd. - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 | Ready for Review-Please advise. - Seller-07/17/2025<br>| Resolved- - Due Diligence Vendor-07/17/2025 <br> Rescinded-The total amount of the 10% category fees ($xxx) has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee, Lender's Title Policy, Messenger Fee, Archive Fee, Sub-Escrow Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/15/2025 <br> Rescinded-The total amount of the 10% category fees ($8,904.00) has increased by more than 10% over the current baseline value of ($181.00). The total amount of fees in the 10% category cannot exceed ($199.10). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Wire Transfer Fee, Lender's Title Policy, Loan Warehousing Fee, Courier Fee, Document Preparation Fee, Title Endorsement Fee, Settlement or Closing Fee, Loan Tie-in Fee, Notary Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-07/11/2025 <br> Rescinded-Duplicate rescinded. Provide the COC for Final cd. - Due Diligence Vendor-07/11/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 4776897 | N/A | N/A |
| XX | 2506159900 |  |  | Closed | 2025-07-11 08:07 | 2025-07-15 14:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD uploaded. Resolved. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-As per gift letters and wire transfers, the Gift Funds for $XXX are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount.<br> - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-PCCD uploaded. Resolved. - Due Diligence Vendor-07/15/2025<br>| xxx_XX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 4777493 | N/A | N/A |
| XX | 2506159900 |  |  | Closed | 2025-07-11 07:57 | 2025-07-15 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property is in CA state, Taxes are calculated as follows Sales Price of $xxx x 1.25% Tax Assessment Factor = $29,500 ($2,458.33 Monthly), Verified & entered in system - Resolved - Due Diligence Vendor-07/15/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-This is a CA Purchase. Taxes are calculated on Purchase Price, not last year amount. - Seller-07/14/2025 <br> Open-Missing Evidence of Property Tax As per the 1008 on page# 737 we have the tax annual amount ($2,458.33 \*12 =$29,499.96) where as in tax certificate it is $22,591 due to this there is a DSCR mismatch. Provide updated tax paid proof doc with $29,499.96<br> - Due Diligence Vendor-07/11/2025 | Ready for Review-This is a CA Purchase. Taxes are calculated on Purchase Price, not last year amount. - Seller-07/14/2025<br>| Resolved-Property is in CA state, Taxes are calculated as follows Sales Price of $xxx x 1.25% Tax Assessment Factor = $29,500 ($2,458.33 Monthly), Verified & entered in system - Resolved - Due Diligence Vendor-07/15/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/15/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 4777474 | N/A | N/A |
| XX | 2505158799 |  |  | Closed | 2025-07-11 07:26 | 2025-07-17 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Updated Final 1003 & 1008 with other income removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Our UW has removed the $245 - Seller-07/16/2025 <br>Open-1003 and 1008 list Other income iao $245. Provide documentation to verify and confirm income - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Our UW has removed the $245 - Seller-07/16/2025<br>| Resolved-Updated Final 1003 & 1008 with other income removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025<br>| xxx_XX_1008.pdf<br> xxx_XX_1003.pdf |  |  | TX | Primary Residence | Purchase | NA | 4777398 | N/A | N/A |
| XX | 2505158799 |  |  | Closed | 2025-07-11 06:50 | 2025-07-15 14:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.299%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370, 395 and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 404. An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215, 286. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/11/2025 |  | Resolved-The loan's (9.299%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 370, 395 and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 404. An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215, 286. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/11/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 4777301 | N/A | N/A |
| XX | 132504320 |  |  | Closed | 2025-07-21 10:03 | 2025-07-21 15:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC was provided to clear condition - Due Diligence Vendor-07/21/2025 <br>Resolved- - Due Diligence Vendor-07/21/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/21/2025 <br>Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-COC was provided to clear condition - Due Diligence Vendor-07/21/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4883045 | N/A | N/A |
| XX | 132504320 |  |  | Closed | 2025-07-17 22:57 | 2025-07-21 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025<br>| XX Lock.pdf |  |  | GA | Primary Residence | Purchase | NA | 4861413 | N/A | N/A |
| XX | 132504320 |  |  | Closed | 2025-07-21 10:03 | 2025-07-21 10:13 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 436 and the Final Closing disclosure on Pg#'s 236, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 227. An interior and exterior appraisal was completed for this property – see pg 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 528, and confirmation the appraisal was delivered to the borrower – see Pg#'s 528. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/21/2025 <br>Open- - Due Diligence Vendor-07/21/2025 <br>Open-The loan's (9.808%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/21/2025 <br>Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 436 and the Final Closing disclosure on Pg#'s 236, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 227. An interior and exterior appraisal was completed for this property – see pg 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 528, and confirmation the appraisal was delivered to the borrower – see Pg#'s 528. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/21/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4883043 | N/A | N/A |
| XX | 132504320 |  |  | Closed | 2025-07-17 07:23 | 2025-07-21 10:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the XXXX. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/21/2025<br>| CD Items.pdf |  |  | GA | Primary Residence | Purchase | NA | 4847554 | N/A | N/A |
| XX | 132504320 |  |  | Closed | 2025-07-17 06:16 | 2025-07-21 08:29 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Extra reserves utilized in lieu of housing history.Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Extra reserves utilized in lieu of housing history. - Seller-07/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements As per xxx Metrix dated 05-13-2025 on page#3 required 12 months minimum housing history. however, supporting document missing in file, required VOM or rent schedule. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Extra reserves utilized in lieu of housing history. - Seller-07/18/2025<br>| Resolved-Extra reserves utilized in lieu of housing history.Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/21/2025<br>| XX UW Notes.pdf |  |  | GA | Primary Residence | Purchase | NA | 4847003 | N/A | N/A |
| XX | 2505157787 |  |  | Closed | 2025-07-14 07:48 | 2025-07-16 09:50 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-07/16/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Qualifying FICO on the 1008 Page is '604' or blank, but the Qualifying FICO from the Credit Liabilities Page is '609' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing 604 FICO score, whereas primary wage earner mid score showing 609 FICO score. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-07/16/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/16/2025<br>| XX UPDATED APPROVAL.pdf<br> xxx UPDATED 1008.pdf |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4799966 | N/A | N/A |
| XX | 2505157787 |  |  | Closed | 2025-07-14 09:19 | 2025-07-14 10:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.558%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 334, 360 and the Final Closing disclosure on Pg#'s 73, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 376. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 477, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-The loan's (9.558%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 334, 360 and the Final Closing disclosure on Pg#'s 73, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 376. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 477, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4800164 | N/A | N/A |
| XX | 7000133250 |  |  | Closed | 2025-07-16 19:05 | 2025-07-24 14:36 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR in line with client. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. DSCR Calculations - Seller-07/22/2025 <br>Open- Our calculated DSCR is Rent is $2600 / $2629.62 = 0.989, tape shows .75 - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. DSCR Calculations - Seller-07/22/2025<br>| Resolved-DSCR in line with client. - Due Diligence Vendor-07/24/2025<br>| DSCR.pdf |  |  | CO | Investment | Purchase | NA | 4841095 | N/A | N/A |
| XX | 7000133250 |  |  | Closed | 2025-07-16 18:54 | 2025-07-24 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated DSCR worksheet provided. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. DSCR Calculations - Seller-07/22/2025 <br>Open-Provide DSCR calculation worksheet - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. DSCR Calculations - Seller-07/22/2025<br>| Resolved-Updated DSCR worksheet provided. - Due Diligence Vendor-07/24/2025<br>| DSCR.pdf |  |  | CO | Investment | Purchase | NA | 4840871 | N/A | N/A |
| XX | 7000133250 |  |  | Closed | 2025-07-15 07:04 | 2025-07-24 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Updated taxes, DSCR & 1008 - Seller-07/23/2025 <br>Open-Missing Evidence of Property Tax As per tax cer page 563-564, annual tax is $1023.20 (Monthly will be $85.26) but 1008, 1003, Escrow waiver considered monthly $418.33 (Annual will be $5019.96) and as per 1008 comments used 1.31942% on sales price $502000 (6,623.48 /12 = $551.95) but it's not matching and appraisal reflects Special assessments of $325. required updated tax certificate & required confirmation about special tax are included in normal tax. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Updated taxes, DSCR & 1008 - Seller-07/23/2025<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/24/2025<br>| Taxes.pdf<br>DSCR.pdf<br>1008.pdf |  |  | CO | Investment | Purchase | NA | 4815494 | N/A | N/A |
| XX | 7000133250 |  |  | Closed | 2025-07-15 05:48 | 2025-07-17 07:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-07/16/2025 <br>Open-Prepayment rider is missing in the file - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-07/16/2025<br>| Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025<br>| XX Prepay Rider.pdf |  |  | CO | Investment | Purchase | NA | 4815304 | N/A | N/A |
| XX | 2506159767 |  |  | Closed | 2025-07-18 21:51 | 2025-07-23 15:10 | 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-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-The 1008 document is missing from the loan file. Audited Income $9,093.72 lower than initial 1008 $10,803.14, DTI outside variance tolerances. Removed Transfer deposits and Refunds from Qualifying Monthly Income Calculation. Please amend 1008 Income $9,093.72 & DTI 37.54%/ 38.48%. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/23/2025<br>| 1008 XX.pdf<br> Screenshot 2025-07-22 134800.jpg |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4876154 | N/A | N/A |
| XX | 2506159767 |  |  | Closed | 2025-07-16 07:04 | 2025-07-24 13:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2025 <br>Open- - Due Diligence Vendor-07/23/2025 <br>Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2025 <br>Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4831112 | N/A | N/A |
| XX | 2506159767 |  |  | Closed | 2025-07-16 07:04 | 2025-07-24 13:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.843%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2025 <br>Open- - Due Diligence Vendor-07/23/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.843%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.843%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.843%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 273 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg#19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 55. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4831111 | N/A | N/A |
| XX | 2506160707 |  |  | Closed | 2025-07-16 12:51 | 2025-07-22 10:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.738%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #529 and the Final Closing disclosure on Pg #264, Finding reflects escrows. Rate lock date was entered correctly – see Pg #517. An interior and exterior appraisal was completed for this property – see Pg #14, the appraisal disclosure was provided to the borrower Pg #547 and confirmation the appraisal was delivered to the borrower – see Pg #588.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-The loan's (8.738%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #529 and the Final Closing disclosure on Pg #264, Finding reflects escrows. Rate lock date was entered correctly – see Pg #517. An interior and exterior appraisal was completed for this property – see Pg #14, the appraisal disclosure was provided to the borrower Pg #547 and confirmation the appraisal was delivered to the borrower – see Pg #588.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/16/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4832648 | N/A | N/A |
| XX | 2506160707 |  |  | Closed | 2025-07-16 12:51 | 2025-07-22 10:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.738%) equals or exceeds the California HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.89%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #529 and the Final Closing disclosure on Pg #264, Finding reflects escrows. Rate lock date was entered correctly – see Pg #517. An interior and exterior appraisal was completed for this property – see Pg #14, the appraisal disclosure was provided to the borrower Pg #547 and confirmation the appraisal was delivered to the borrower – see Pg #588.<br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.738%) equals or exceeds the California HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.89%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #529 and the Final Closing disclosure on Pg #264, Finding reflects escrows. Rate lock date was entered correctly – see Pg #517. An interior and exterior appraisal was completed for this property – see Pg #14, the appraisal disclosure was provided to the borrower Pg #547 and confirmation the appraisal was delivered to the borrower – see Pg #588.<br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/16/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4832649 | N/A | N/A |
| XX | 2506160970 |  |  | Closed | 2025-07-21 11:42 | 2025-08-05 13:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Counter-Still missing page 8 of Final 1003 - Loan Originator page. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please see 12 mnths bank stmts showing this a business debt and not counting in the DTI, Thank you!<br> - Seller-07/31/2025 <br> Open-The Final 1003 is Incomplete Final 1003 page#8 of 10 - Loan Originator information page is missing in file. Provide documentation<br> Provide Net Rental income for Property XXXX- Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Please see 12 mnths bank stmts showing this a business debt and not counting in the DTI, Thank you!<br> - Seller-07/31/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025<br>| 12 MNTHS BANK STMT.pdf<br> xxx COMPLETE 1003.pdf |  |  | MD | Primary Residence | Purchase | NA | 4883526 | N/A | N/A |
| XX | 2506160970 |  |  | Closed | 2025-07-22 03:57 | 2025-07-22 04:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.826%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 658 and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#287<br> An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'750 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#425 The loan meets HPML guidelines - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/22/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.826%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.77%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 658 and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#287<br> An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'750 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#425 The loan meets HPML guidelines - Due Diligence Vendor-07/22/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4898372 | N/A | N/A |
| XX | 2506160970 |  |  | Closed | 2025-07-22 03:57 | 2025-07-22 04:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.826%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 658 and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#287<br> An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'750 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#425 The loan meets HPML guidelines - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/22/2025 |  | Resolved-The loan's (8.826%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 658 and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#287<br> An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'750 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#425 The loan meets HPML guidelines - Due Diligence Vendor-07/22/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4898373 | N/A | N/A |
| XX | 2506161261 |  |  | Closed | 2025-08-11 13:57 | 2025-08-20 20:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved, Valid COC and final CD received. - Due Diligence Vendor-08/20/2025 <br>Open- - Due Diligence Vendor-08/20/2025 <br>Open- - Due Diligence Vendor-08/19/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Resolved-COC has been received. XXXX will be updated and run. Additional conditions may apply - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Record fees increased to 610.25 on the Final CD without accompanied COC. Request to provide - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($615.50) has increased by more than 10% over the current baseline value of ($505.00). The total amount of fees in the 10% category cannot exceed ($555.50). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Filing Fees, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Resolved, Valid COC and final CD received. - Due Diligence Vendor-08/20/2025 <br>Resolved-COC has been received. XXXX will be updated and run. Additional conditions may apply - Due Diligence Vendor-08/14/2025<br>| FINAL CD COC.pdf<br> xxx ORIGINAL FINAL CD.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5129201 | N/A | N/A |
| XX | 2506161261 |  |  | Closed | 2025-07-23 03:54 | 2025-08-12 10:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XXXX has been successfully run with additional conditions opened. Resolved - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Revisions were made at time of funding, so the xxx is the CD the borrower signed to match the funding figures. The first day to fund was the 16th, due to the recession period. Attached is the original final CD signed xx/xx. Thank you!<br> - Seller-08/07/2025 <br> Counter-Provide Final CD with signature date reflecting the closing date of 7/11 - Due Diligence Vendor-07/29/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing in file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Revisions were made at time of funding, so the 16th is the CD the borrower signed to match the funding figures. The first day to fund was the 16th, due to the recession period. Attached is the original final CD signed 7/11. Thank you!<br> - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-XXXX has been successfully run with additional conditions opened. Resolved - Due Diligence Vendor-08/12/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025<br>| xxx FINAL CD.pdf<br> xxx ORIGINAL FINAL CD.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4913674 | N/A | N/A |
| XX | 2506161261 |  |  | Closed | 2025-07-22 14:19 | 2025-07-28 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided, hence resolved. - Due Diligence Vendor-07/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provided VVOE on pg-368 is on 07/14/2025 which after Note date 07/11/2025. As per G/Ls, dated 04/17/2025, A verbal VOE from each employer within 10-days of the Note date is required. <br> - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided, hence resolved. - Due Diligence Vendor-07/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/28/2025<br>| xxx VVOE.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4901940 | N/A | N/A |
| XX | 2506161261 |  |  | Closed | 2025-08-11 13:57 | 2025-08-20 19:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/20/2025 <br>Open- - Due Diligence Vendor-08/20/2025 <br>Open- - Due Diligence Vendor-08/19/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Resolved-Reopened with XXXX run - Due Diligence Vendor-08/15/2025 <br>Open- - Due Diligence Vendor-08/15/2025 <br>Resolved-Reopened with XXXX run - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Open- - Due Diligence Vendor-08/14/2025 <br>Resolved-Reopened with XXXX run. Resolved - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Resolved-The loan's (8.428%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) The loan's (8.428%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 683. Final Closing disclosure on Pg#'514 Rate lock doc on pg-268. An interior and exterior appraisal was completed for this property on pg-16. A copy of the appraisal was given to the borrower on pgs-65. confirmation the appraisal was delivered to the borrower. The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 |  | Resolved-The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/20/2025 <br>Resolved-Reopened with XXXX run - Due Diligence Vendor-08/15/2025 <br>Resolved-Reopened with XXXX run - Due Diligence Vendor-08/14/2025 <br>Resolved-Reopened with XXXX run. Resolved - Due Diligence Vendor-08/11/2025 <br>Resolved-The loan's (8.428%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) The loan's (8.428%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 683. Final Closing disclosure on Pg#'514 Rate lock doc on pg-268. An interior and exterior appraisal was completed for this property on pg-16. A copy of the appraisal was given to the borrower on pgs-65. confirmation the appraisal was delivered to the borrower. The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-08/11/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5129202 | N/A | N/A |
| XX | 2505158682 |  |  | Closed | 2025-07-23 05:23 | 2025-08-25 21:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Loan exception approved for not meeting reserve requirement found in findings. Per guidelines 3 months reserves required and borrower has 2.15 months of reserves.<br> - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Please see Exception - Seller-08/21/2025 <br>Open-Provide additional Assets to meet reserve requirements of 3 months whereas loan has 2.15 month reserves - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please see Exception - Seller-08/21/2025<br>| Waived-Loan exception approved for not meeting reserve requirement found in findings. Per guidelines 3 months reserves required and borrower has 2.15 months of reserves.<br> - Due Diligence Vendor-08/25/2025<br>| xxx_XX_Exception Approval.pdf |  | Comp Factor #1: Comp Factor #1: Debt Consolidation - Fico Score 656, Minimum required 600 <br> Comp Factor #2: Residual Income $11,714.86 a month, Minimum required $1250  | FL | Primary Residence | Refinance | Cash Out - Other | 4913900 | Originator Post-Close | Yes |
| XX | 2505158682 |  |  | Closed | 2025-07-23 05:23 | 2025-07-23 19:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception on page 300 Approved for LTV. Guides state maximum LTV 75% LTV at 656 FICO, approved LTV at 80%. Loan FICO is 656, As per Core NQM-4/17/25 matrix-Min 600-FICO-75%LTV for Cash-out. <br> - Due Diligence Vendor-07/23/2025 |  | Waived-Audited LTV Exceeds Guideline LTV Exception on page 300 Approved for LTV. Guides state maximum LTV 75% LTV at 656 FICO, approved LTV at 80%. Loan FICO is 656, As per Core NQM-4/17/25 matrix-Min 600-FICO-75%LTV for Cash-out. <br> - Due Diligence Vendor-07/23/2025<br>|  |  | Comp Factor #1: Debt Consolidation - Fico Score 656, Minimum required 600 <br> Comp Factor #2: Residual Income $11,714.86 a month, Minimum required $1250 | FL | Primary Residence | Refinance | Cash Out - Other | 4913899 | Originator Pre-Close | Yes |
| XX | 7000137760 |  |  | Closed | 2025-07-25 14:00 | 2025-07-31 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-07/29/2025 <br>Open-Borrower owns land Asper LOE in Pg: 474, it verifies both land is Free & Clear (No Mortgage), No Insurance & No HOA but still it is subject to have Taxes. And we also have Tax Document for those 2 Lands in pg: 654 & 660. Since borrower is obligated, we need updated 1003 to reflect the raw land in the REO (Real Estate Owned) section of the 1003 loan application since the borrower owns the land in their personal name & it affects their financial obligations. - Due Diligence Vendor-07/25/2025 <br>Open-Borrower owns land, but no tax information provided for DTi calculations. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-07/29/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-07/31/2025<br>| 1003.pdf |  |  | TX | Primary Residence | Purchase | NA | 4945791 | N/A | N/A |
| XX | 7000137760 |  |  | Closed | 2025-07-24 04:49 | 2025-07-29 15:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception for 80% LTV - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Exception for LTV - Seller-07/28/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% As per appraisal property located in Rural area, per matrix 04/02/2025 max LTV is 70% for rural properties, but file has 80%. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Exception for LTV - Seller-07/28/2025<br>| Waived-Exception for 80% LTV - Due Diligence Vendor-07/29/2025<br>| Purchase Exception - LTV.pdf |  | Good FICo at 728, residual income of 12,806.75 | TX | Primary Residence | Purchase | NA | 4928308 | Originator Post-Close | Yes |
| XX | 7000137760 |  |  | Closed | 2025-07-25 02:48 | 2025-07-29 09:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Final Statement for sale of property provided. Updated & Resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Final Statement for sale of property - Seller-07/28/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Total assets requirement is $272353.11 (Closing Cost or Down payment $247558.95 + Reserves $24794.16), verified assets are $118000.49. and As per 1003 net proceeds are used but there is no wire transfer proof in the file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Final Statement for sale of property - Seller-07/28/2025<br>| Resolved-Final Statement for sale of property provided. Updated & Resolved. - Due Diligence Vendor-07/29/2025<br>| Final - Sale of Property.pdf |  |  | TX | Primary Residence | Purchase | NA | 4942725 | N/A | N/A |
| XX | 7000137760 |  |  | Closed | 2025-07-24 04:52 | 2025-07-29 09:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts As per Gl - version 04/02/2025 page 26, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025<br>| Cleared Alerts.pdf |  |  | TX | Primary Residence | Purchase | NA | 4928317 | N/A | N/A |
| XX | 2506159200 |  |  | Closed | 2025-07-24 07:44 | 2025-07-28 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement for Subject property provided. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Subject property occupancy is Tenant but lease agreement not available in file. Provide Lease agreement.(LTV>65%) - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Lease agreement for Subject property provided. - Due Diligence Vendor-07/28/2025<br>| xxx LEASE AGREEMENT.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 4928904 | N/A | N/A |
| XX | 2505158876 |  |  | Closed | 2025-07-23 14:03 | 2025-07-30 16:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Prepayment Penalty on Closing Disclosure changed to $12,415. Variance of .45 is acceptable. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment calculated is $$12,414.45 whereas per HUD is $12,416 more than a dollar variance. Provide updated document - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Prepayment Penalty on Closing Disclosure changed to $12,415. Variance of .45 is acceptable. - Due Diligence Vendor-07/30/2025<br>| XX HUD-1.pdf |  |  | FL | Investment | Purchase | NA | 4917030 | N/A | N/A |
| XX | 2505158851 |  |  | Closed | 2025-07-25 10:24 | 2025-08-01 10:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Paystubs covering the 30 days period uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Paystubs are now 4/27/2025- 5/31/2025, thank you - Seller-07/31/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided Paystubs provided from 05/04/25 to 05/31/25 not covering the 30 days per guidelines. Page#62 of 109 in guideline - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Paystubs are now 4/27/2025- 5/31/2025, thank you - Seller-07/31/2025<br>| Resolved-Paystubs covering the 30 days period uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/01/2025<br>| Stan Paystub 5.9.2025.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4943811 | N/A | N/A |
| XX | 2505158851 |  |  | Closed | 2025-07-25 10:24 | 2025-08-01 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Borrower 2 Executed 4506-T Missing Provide 4506 for b2 missing in file - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025<br>| xxx B2 4506C.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4943810 | N/A | N/A |
| XX | 2505158851 |  |  | Closed | 2025-07-25 12:14 | 2025-07-31 08:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Signature Date is not signed 12 or more days prior to Closing Date | Resolved-Texas Section 50 a6 Signed prior to Closing Date provided. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Section 50 a6 Signature has not been signed within 12 days of closing. Texas Section 50 a6 Signed on closing. provide document signed 12 or more days prior to Closing Date - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Texas Section 50 a6 Signed prior to Closing Date provided. - Due Diligence Vendor-07/31/2025<br>| xxx EXT 50 A6.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4944442 | N/A | N/A |
| XX | 2505158851 |  |  | Closed | 2025-07-25 12:27 | 2025-07-30 10:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Provided Title policy includes T42 and T42.1.Hence Resolved. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-One or more of the docs T2, T19, T17, T42, T42.1 is Missing Form T-2 reflects on Title policy however title policy must include T42 and T42.1 per guidelines page#29 of 109-04/17/25. provide document - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Provided Title policy includes T42 and T42.1.Hence Resolved. - Due Diligence Vendor-07/30/2025<br>| xxx FTP.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4944568 | N/A | N/A |
| XX | 2505158851 |  |  | Closed | 2025-07-25 12:17 | 2025-07-28 13:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.017%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 374 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#389<br> An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'482 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#30 The loan meets HPML guidelines - Due Diligence Vendor-07/25/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/25/2025 |  | Resolved-The loan's (10.017%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 374 and the Final Closing disclosure on Pg#'s 188, Finding reflects escrows. Rate lock date was entered correctly – see Pg#389<br> An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'482 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#30 The loan meets HPML guidelines - Due Diligence Vendor-07/25/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4944470 | N/A | N/A |
| XX | 2506160170 |  |  | Closed | 2025-07-28 14:08 | 2025-08-28 14:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Counter-Asset 4 Does Not Meet Guideline Requirements The document attached is for account xxx not xxx. The account xxx is missing a statement. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements The asset statement provided is for 1 month. As per guidelines 04/17/25 page 58/109 Section 7.5.1 Account Statements should cover most recent 60-day period. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/05/2025<br>| XX BS.pdf<br> XX note.pdf |  |  | FL | Primary Residence | Purchase | NA | 4962929 | N/A | N/A |
| XX | 2506160170 |  |  | Closed | 2025-07-28 14:08 | 2025-08-28 14:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br>Resolved-Asset 5 Does Not Meet Guideline Requirements - Due Diligence Vendor-08/05/2025 <br>Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Asset 5 Does Not Meet Guideline Requirements The asset statement provided is for 1 month. As per guidelines 04/17/25 page 58/109 Section 7.5.1 Account Statements should cover most recent 60-day period. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br>Resolved-Asset 5 Does Not Meet Guideline Requirements - Due Diligence Vendor-08/05/2025 <br>Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/31/2025<br>| XX BS.pdf |  |  | FL | Primary Residence | Purchase | NA | 4962930 | N/A | N/A |
| XX | 2506160170 |  |  | Closed | 2025-07-28 14:14 | 2025-08-28 14:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Counter-$160,000 was wired to Title for the purchase as per attached Wire Transfer. Requesting PCCD for balance. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-As per the LOE from Title attached there is not a wire or check. Requesting evidence of the Proceeds of sale. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Counter-The document provided is not evidence of the wire transfer or check from sale. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements Proceeds from sale $xxx reflecting in Final 1003 but no proof of deposit/wire transfer for the same. Provide proof of deposit for proceeds from sale. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025<br>| XX Sale of XX.pdf<br> XX Title Note.pdf<br> XX note.pdf<br> wire from 2nd home cash out.pdf<br> XX PCCD.pdf |  |  | FL | Primary Residence | Purchase | NA | 4963055 | N/A | N/A |
| XX | 2506159874 |  |  | Closed | 2025-07-28 11:24 | 2025-08-01 15:09 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-LOX has been provided with clarification on the 1031 exchange. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. 1031 used for reserves. - Seller-07/30/2025 <br>Open-Indication of 1031 Exchange in file without sourcing. Provide all pertinent documents to verify asset. Additional conditions may be raised as loan is currently failing Reserve Requirements and exchange proceeds cannot be utilized to meet. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. 1031 used for reserves. - Seller-07/30/2025<br>| Resolved-LOX has been provided with clarification on the 1031 exchange. - Due Diligence Vendor-08/01/2025<br>| LOEs in file.pdf |  |  | MA | Investment | Purchase | NA | 4961075 | N/A | N/A |
| XX | 2506159874 |  |  | Closed | 2025-07-25 07:37 | 2025-08-01 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. The 1031 Exchange for the reserves. Business alt doc - Seller-07/30/2025 <br>Open-The Final 1003 is Incomplete File is purchase - investment, in provided 1003, assets are not mentioned for both borrowers. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. The 1031 Exchange for the reserves. Business alt doc - Seller-07/30/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2025<br>| LOEs in file.pdf |  |  | MA | Investment | Purchase | NA | 4943416 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 16:04 | 2025-07-31 18:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-07/31/2025 <br> Resolved-This was not used because it is held in a Trust and the borrower is unable to provide documentation of the terms in which the funds can be accessed. Updated 1003 received. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Updated 1003, assets backed out - Seller-07/31/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements → Asset 1 (XXXX) is held in a Trust. Per Guidelines: "• Obtain written documentation (e.g., bank statements) of the value of the trust account from either the trust manager or the trustee, and • Document the conditions under which the borrower has access to the funds." Evidence of the borrower's access to the funds is missing from the file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Updated 1003, assets backed out - Seller-07/31/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-07/31/2025 <br>Resolved-This was not used because it is held in a Trust and the borrower is unable to provide documentation of the terms in which the funds can be accessed. Updated 1003 received. - Due Diligence Vendor-07/31/2025<br>| 1003.pdf |  |  | IL | Primary Residence | Purchase | NA | 4948720 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 14:50 | 2025-07-31 18:22 | Resolved | 1 - Information C A | Credit | Credit | Deficient non-subject rental income documentation. | Resolved-Issue resolved with the newest 1003/1008 received in the other findings. - Due Diligence Vendor-07/31/2025 <br>Counter-The corrected 1003 received is only for Borrower 2. The property needing corrections is a property owned by Borrower 1, so it would be on Borrower 1's 1003. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-07/30/2025 <br>Open-• For the property at 2824 225th, the Final 1003 states that there is a mortgage payment of $828 + an additional $369.82. However, the mortgage statement for that property shows the $369.81 already accounted for in the payment as escrow; therefore the $369.82 is being counted twice. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-07/30/2025<br>| Resolved-Issue resolved with the newest 1003/1008 received in the other findings. - Due Diligence Vendor-07/31/2025<br>| 1003.pdf<br>1008.pdf |  |  | IL | Primary Residence | Purchase | NA | 4946877 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-29 17:58 | 2025-07-31 18:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Updated 1003/1008 received to remove rental income from consideration for this property. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Rental Income backed out. Updated 1008 and 1003 - Seller-07/31/2025 <br> Open-• Lease Agreement for $2400 for the property at XXX is missing. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Rental Income backed out. Updated 1008 and 1003 - Seller-07/31/2025<br>| Resolved-Updated 1003/1008 received to remove rental income from consideration for this property. - Due Diligence Vendor-07/31/2025<br>| 1003.pdf<br>Underwriting Transmittal.pdf |  |  | IL | Primary Residence | Purchase | NA | 4983368 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-29 17:57 | 2025-07-31 18:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-P&I verified from the Gap Report due to being a newly-closed mortgage loan. Issue resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-UW Response: The property was a recent purchase as evidenced by the closing statement in file and UDM tradeline ALSO in file based on the prepaid interest to 7/1 no payment was due until 8/1…no payment coupon was available at time of closing, loan appears on gap report in file and shows as current - Seller-07/31/2025 <br> Open-• File is missing evidence of the $1,902.32 mortgage payment for the property at XXX. There is a Settlement Statement in file for this property, but it does not list the payment amount. - Due Diligence Vendor-07/29/2025 | Ready for Review-UW Response: The property was a recent purchase as evidenced by the closing statement in file and UDM tradeline ALSO in file based on the prepaid interest to 7/1 no payment was due until 8/1…no payment coupon was available at time of closing, loan appears on gap report in file and shows as current - Seller-07/31/2025<br>| Resolved-P&I verified from the Gap Report due to being a newly-closed mortgage loan. Issue resolved. - Due Diligence Vendor-07/31/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 4983346 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 09:26 | 2025-07-31 18:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report was received. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. B2 Gap Credit - Seller-07/31/2025 <br>Open-Borrower 2 Gap Credit Report is Missing • Borrower 2 Gap Credit Report is missing. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. B2 Gap Credit - Seller-07/31/2025<br>| Resolved-Borrower 2 Gap Credit Report was received. - Due Diligence Vendor-07/31/2025<br>| GAP Credit - B2.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943653 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 09:26 | 2025-07-31 18:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report was received. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. B1 Gap Credit - Seller-07/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. B1 Gap Credit - Seller-07/31/2025<br>| Resolved-Borrower 1 Gap Credit Report was received. - Due Diligence Vendor-07/31/2025<br>| GAP Credit - B1.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943652 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 09:26 | 2025-07-31 18:16 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Corrected 1008 received. Validation Resolved - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-07/30/2025 <br>Open-Qualifying FICO on the 1008 Page is '687' or blank, but the Qualifying FICO from the Credit Liabilities Page is '740' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per Guidelines: "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." Borrower 1 has the higher income, therefore borrower 1's FICO should be used. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/30/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Corrected 1008 received. Validation Resolved - Due Diligence Vendor-07/30/2025<br>| 1008.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943654 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 08:15 | 2025-07-31 18:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Income Calculations - Seller-07/31/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • B2 waged income worksheet is missing from the file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-07/31/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-07/31/2025<br>| Income Calculation Worksheet.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943515 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 10:02 | 2025-07-30 18:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXX Summary document shows a total of 10 High alerts, only 9 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/30/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/30/2025<br>| Cleared Alerts.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943741 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 09:31 | 2025-07-29 18:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-07/29/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/29/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-07/29/2025<br>| XX SSR.pdf |  |  | IL | Primary Residence | Purchase | NA | 4943671 | N/A | N/A |
| XX | 7000137159 |  |  | Closed | 2025-07-25 10:34 | 2025-07-31 18:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/31/2025 <br>Open- - Due Diligence Vendor-07/31/2025 <br>Resolved-The loan's (8.479%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#438 and the Final Closing disclosure on Pg#208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#539 . An interior and exterior appraisal was completed for this property – see pg 35-67, the appraisal disclosure was provided to the borrower(s)- see Pg#'33-34, and confirmation the appraisal was delivered to the borrower – see Pg#'s 263-266. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/25/2025 <br>Open- - Due Diligence Vendor-07/29/2025 <br>Open- - Due Diligence Vendor-07/26/2025 <br>Open- - Due Diligence Vendor-07/25/2025 |  | Resolved-. - Due Diligence Vendor-07/31/2025 <br>Resolved-The loan's (8.479%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#438 and the Final Closing disclosure on Pg#208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#539 . An interior and exterior appraisal was completed for this property – see pg 35-67, the appraisal disclosure was provided to the borrower(s)- see Pg#'33-34, and confirmation the appraisal was delivered to the borrower – see Pg#'s 263-266. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/25/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 4943861 | N/A | N/A |
| XX | 7000138961 |  |  | Closed | 2025-07-26 11:28 | 2025-07-31 18:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-07/31/2025 <br> Resolved-Paystubs & W2s received. It can now be considered "full doc" instead of "WVOE only," which now meets guidelines of the xxx program. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. W2s to show previous and current employment. Along with 2 recent paystubs - Seller-07/31/2025 <br> Open-Income and Employment Do Not Meet Guidelines → Borrower 2 qualified with WVOE-only (as there are no paystubs, W2s, or tax returns in file). Per guidelines 5.1.10 Alt Doc – Written Verification of Employment: • "Two-year history is required." The borrower has been employed at the current job less than 2 years. There is no verification of the job prior to the current one, only an LOX stating why there is a gap. • "Credit Grades A+, A, and B only." This loan qualified with the Super-Kind program, per the Loan Approval. WVOE-only is not allowed for this program. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. W2s to show previous and current employment. Along with 2 recent paystubs - Seller-07/31/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-07/31/2025 <br> Resolved-Paystubs & W2s received. It can now be considered "full doc" instead of "WVOE only," which now meets guidelines of the xxx program. - Due Diligence Vendor-07/31/2025 | W2.pdf<br>Paystubs.pdf |  |  | TX | Primary Residence | Purchase | NA | 4957133 | N/A | N/A |
| XX | 7000138961 |  |  | Closed | 2025-07-26 12:55 | 2025-07-29 18:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Final CD - Seller-07/29/2025 <br> Open-TRID: Missing Final Closing Disclosure • The Final CD executed at Closing (7/15/2025) is missing from the file. The document provided that is labeled a Final is dated xx/xx/20xx, which is after closing, making it the PCCD. (Note: The cash to close on the Final CD at closing would have been $xxx, per the PCCD). - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Final CD - Seller-07/29/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025<br>| xxx Final CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 4957277 | N/A | N/A |
| XX | 2506160990 |  |  | Closed | 2025-07-26 06:30 | 2025-08-15 20:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-08/15/2025 <br>Resolved-Resolved as the LE to CD allows a $1.00 tolerance for the fee increase as cents are not entered on LE's. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-LE's do not reflect cents, only whole dollars. This is why the Broker fee shows as $6311 on the LE and the CD's show $6311.25. Please clear. - Seller-08/13/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide PCCD revising the fees which cannot be increased. - Due Diligence Vendor-08/04/2025 <br>Open- - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Counter- - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Provide the interim CD dated 7/17/2025 to go along with the COC dated 7/17/2025. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. COC attached. - Seller-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points fee of $183.60 added in final CD and Broker fee increased to 0.25 cents. Provide COC - Due Diligence Vendor-07/26/2025 <br>Open- - Due Diligence Vendor-07/26/2025 | Ready for Review-LE's do not reflect cents, only whole dollars. This is why the Broker fee shows as $6311 on the LE and the CD's show $6311.25. Please clear. - Seller-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Ready for Review-Document Uploaded. COC attached. - Seller-07/28/2025<br>| Resolved-Resolved as the LE to CD allows a $1.00 tolerance for the fee increase as cents are not entered on LE's. - Due Diligence Vendor-08/15/2025<br>| COC XX.pdf<br> cd 7-17.pdf |  |  | TX | Primary Residence | Purchase | NA | 4956727 | N/A | N/A |
| XX | 2506160990 |  |  | Closed | 2025-07-28 18:24 | 2025-08-04 21:06 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI issue resolved with the provided 1008 & 1003 evidencing payment of $783. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. updated docs attached. - Seller-08/01/2025 <br> Counter-DTI discrepancy of 3.70% due to the variance of the XXX payment on the 1003 indicating the payment is $1,717.00 and the credit report identifying the payment is $783.00 DTI calculation of 32.57% while the 1008 DTI is 36.27%. Provide revised 1003 & 1008 with the $783 payment as shown on the credit report or provide a supplement identifying the monthly payment is $1,717.00 which was on the 1003/1008. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. 1003 & 1008 updated and attached. - Seller-07/28/2025 <br> Open-Total DTI (32.57%) variance of 3.7% due to xxxx account payment of $783 on the credit report and 1003 & 1008 (36.27%) contain a payment of 1,717.00. Provide revised 1003 & 1008 or supplement identifying the monthly payment is $1,717.00. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. updated docs attached. - Seller-08/01/2025 <br>Ready for Review-Document Uploaded. 1003 & 1008 updated and attached. - Seller-07/28/2025<br>| Resolved-DTI issue resolved with the provided 1008 & 1003 evidencing payment of $783. - Due Diligence Vendor-08/04/2025<br>| XX 1003.pdf<br> XX 1008.pdf |  |  | TX | Primary Residence | Purchase | NA | 4969229 | N/A | N/A |
| XX | 2506160990 |  |  | Closed | 2025-07-26 06:30 | 2025-08-15 20:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-08/15/2025 <br>Resolved-The loan's (9.07%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 378 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#387 An interior and exterior appraisal was completed for this property – see Pg #78, the appraisal disclosure was provided to the borrower(s)- see Pg #'431 in file and confirmation the appraisal was delivered to the borrower – see Pg #75,76 The loan meets HPML guidelines. - Due Diligence Vendor-08/04/2025 <br>Open- - Due Diligence Vendor-08/04/2025 <br>Resolved-The loan's (9.07%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 378 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#387 An interior and exterior appraisal was completed for this property – see pg 78, the appraisal disclosure was provided to the borrower(s)- see Pg#'431 in file and confirmation the appraisal was delivered to the borrower – see Pg#75,76 The loan meets HPML guidelines - Due Diligence Vendor-07/26/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/26/2025 |  | Resolved-The loan's (9.07%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 378 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#387 An interior and exterior appraisal was completed for this property – see Pg #78, the appraisal disclosure was provided to the borrower(s)- see Pg #'431 in file and confirmation the appraisal was delivered to the borrower – see Pg #75,76 The loan meets HPML guidelines. - Due Diligence Vendor-08/04/2025 <br>Resolved-The loan's (9.07%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 378 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#387 An interior and exterior appraisal was completed for this property – see pg 78, the appraisal disclosure was provided to the borrower(s)- see Pg#'431 in file and confirmation the appraisal was delivered to the borrower – see Pg#75,76 The loan meets HPML guidelines - Due Diligence Vendor-07/26/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 4956726 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-08-06 14:48 | 2025-08-08 15:06 | Resolved | 1 - Information C A | Credit | Credit | Total Reserves Requirement not met | Resolved-Statement dated 7/3 has been provided and reviewed. XXXX has been updated. Reserves requirement have been exceeded. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Ready for Review-Most recent xxx account shows $$41,314.09, - Seller-08/06/2025 <br> Open-Total Reserves Requirement not met Required reserves are listed as 8 months on the provided approval and matrix. Our calculations for reserves are as follows:<br>CTC: $40,000<br> RESERVES: $28,907.84 (8 \* $3,613.48)<br> TOTAL: $68,907.84<br>TOTAL ASSETS: $68,438.76<br> xxx xxx - $113<br> xxx xxx - $36,314.09<br> xxx xxx - $2,893.88<br> xxx xxx - $24,122.72<br> xxxx xxx - $995.08 - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Ready for Review-Most recent XX account shows $$XX, - Seller-08/06/2025 | Resolved-Statement dated 7/3 has been provided and reviewed. XXXX has been updated. Reserves requirement have been exceeded. - Due Diligence Vendor-08/08/2025 | XX account.jpg |  |  | FL | Primary Residence | Purchase | NA | 5074186 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 12:38 | 2025-08-08 15:04 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Counter-Asset Record 1 Does Not Meet G/L Requirements Provide minimum 60 days of bank statements for acc#xxx as required per Guidelines 06-25-2025.<br> - Due Diligence Vendor-08/04/2025 <br> Ready for Review-updated loan approval for 6/25 - Seller-07/31/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide minimum 60 days of bank statements for acc#xxx as required per Guidelines 04-17-2025. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-updated loan approval for 6/25 - Seller-07/31/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/06/2025<br>| xxx XX Loan approval.jpg<br> guides.png |  |  | FL | Primary Residence | Purchase | NA | 4961707 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 12:38 | 2025-08-08 15:04 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. 7.5.1 requires 30 days only - Seller-08/04/2025 <br> Counter-Asset 4 Does Not Meet Guideline Requirements Provide minimum 60 days of bank statements for acc#xxx as required per Guidelines 06-25-2025.<br> - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. updated loan approval to match guides 6/25 - Seller-07/31/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide minimum 60 days of bank statements for acc#xxx as required per Guidelines 04-17-2025. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. 7.5.1 requires 30 days only - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. updated loan approval to match guides 6/25 - Seller-07/31/2025<br>| Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/06/2025<br>| xxx XX Loan approval.jpg<br> guides.png |  |  | FL | Primary Residence | Purchase | NA | 4961708 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 12:38 | 2025-08-08 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Counter-Section 7.5.1 of guidelines states the following,<br> " If account has other names in addition to the borrower(s), a 100% access letter and an LOE is required (this pertains to personal and business accounts; if a borrower owns a business 100%, no access letter is required, even if there are other names on the business account)"<br>Request to provide LOE - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide access letter to use 100% funds from acc#xxx. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-08/06/2025<br>| xxx XX Loan approval.jpg<br> xxx XX Access Letter.pdf |  |  | FL | Primary Residence | Purchase | NA | 4961709 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 12:39 | 2025-08-08 15:04 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. 6/25/25 guides require 30 days only - Seller-08/04/2025 <br> Counter-Asset 5 Does Not Meet Guideline Requirements Provide minimum 60 days of bank statements for acc#xxx as required per Guidelines 06-25-2025.<br> - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Uw used 6/25/25 guides please see loan approval - Seller-07/31/2025 <br> Ready for Review-i have requested this, disregard push back - Seller-07/30/2025 <br> Ready for Review-Section 7.5.1 account statements should cover most recent one full month period of account activity. - Seller-07/30/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide minimum 60 days of bank statements for acc#XXX as required per Guidelines 04-17-2025. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. 6/25/25 guides require 30 days only - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Uw used 6/25/25 guides please see loan approval - Seller-07/31/2025 <br>Ready for Review-i have requested this, disregard push back - Seller-07/30/2025 <br>Ready for Review-Section 7.5.1 account statements should cover most recent one full month period of account activity. - Seller-07/30/2025<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/06/2025<br>| XX XX Loan approval.jpg<br> guides.png |  |  | FL | Primary Residence | Purchase | NA | 4961713 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-31 09:16 | 2025-07-31 11:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 57-(Findings) and the Final Closing disclosure on Pg#'s 17-(Findings), Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 200. An interior and exterior appraisal was completed for this property – see pg 6, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 39-40. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/31/2025 <br>Open-The loan's (8.381%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/31/2025 |  | Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 57-(Findings) and the Final Closing disclosure on Pg#'s 17-(Findings), Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 200. An interior and exterior appraisal was completed for this property – see pg 6, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 39-40. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/31/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 5003757 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 13:01 | 2025-07-31 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure Provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-TRID: Missing Final Closing Disclosure Provide Final CD which is missing from loan file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Final Closing Disclosure Provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/31/2025<br>| XX XX funding package.pdf |  |  | FL | Primary Residence | Purchase | NA | 4961957 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 11:19 | 2025-07-31 08:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 document provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Final closing docs uploaded - Seller-07/30/2025 <br>Open-The Final 1003 is Missing Provide Final 1003 document which is missing from loan file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Final closing docs uploaded - Seller-07/30/2025<br>| Resolved-Final 1003 document provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/31/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4961049 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 11:24 | 2025-07-31 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note document provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-The Note is Missing Provide Note document which is missing from loan file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Note document provided. - Due Diligence Vendor-07/31/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-07/31/2025<br>| XX XX funding package.pdf |  |  | FL | Primary Residence | Purchase | NA | 4961072 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 11:25 | 2025-07-31 08:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided.<br> - Due Diligence Vendor-07/31/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/31/2025 <br>Ready for Review-. - Seller-07/30/2025 <br>Open-The Deed of Trust is Missing Provide The Deed of Trust document which is missing from loan file - Due Diligence Vendor-07/28/2025 | Ready for Review-. - Seller-07/30/2025<br>| Resolved-Deed of Trust document provided.<br> - Due Diligence Vendor-07/31/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/31/2025<br>| XX XX funding package.pdf |  |  | FL | Primary Residence | Purchase | NA | 4961084 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 12:18 | 2025-07-31 08:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Deed of Trust document along with PUD rider provided.<br> - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-PUD Rider is Missing Provide PUD Rider which is missing from loan file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Deed of Trust document along with PUD rider provided.<br> - Due Diligence Vendor-07/31/2025<br>| XX XX funding package.pdf |  |  | FL | Primary Residence | Purchase | NA | 4961487 | N/A | N/A |
| XX | 2506160743 |  |  | Closed | 2025-07-28 13:33 | 2025-07-31 08:04 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Disclosure document provided. Updated & resolved. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Provide Initial Escrow Disclosure which is missing from loan file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Initial Escrow Disclosure document provided. Updated & resolved. - Due Diligence Vendor-07/31/2025<br>| XX XX funding package.pdf |  |  | FL | Primary Residence | Purchase | NA | 4962348 | N/A | N/A |
| XX | 7000138313 |  |  | Closed | 2025-07-28 04:17 | 2025-07-30 19:49 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-07/30/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/30/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-07/30/2025<br>| XX SSR.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4960062 | N/A | N/A |
| XX | 7000138313 |  |  | Closed | 2025-07-28 05:22 | 2025-07-31 11:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/31/2025 <br>Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 316 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 334 . An interior and exterior appraisal was completed for this property – see pg 50-81 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 48-49, and confirmation the appraisal was delivered to the borrower – see Pg#'s 209. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 |  | Resolved-. - Due Diligence Vendor-07/31/2025 <br>Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 316 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 334 . An interior and exterior appraisal was completed for this property – see pg 50-81 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 48-49, and confirmation the appraisal was delivered to the borrower – see Pg#'s 209. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/28/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4960220 | N/A | N/A |
| XX | 2506160549 |  |  | Closed | 2025-07-28 05:37 | 2025-07-28 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.498%) equals or exceeds the California HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.75%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#531 and the Final Closing disclosure on Pg#286, Finding reflects escrows. Rate lock date was entered correctly – see Pg#271. An interior and exterior appraisal was completed for this property – see pg #18, the appraisal disclosure is provided on Pg #588, and confirmation the appraisal was delivered to the borrower – see Pg #259, #338. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.498%) equals or exceeds the California HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.75%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#531 and the Final Closing disclosure on Pg#286, Finding reflects escrows. Rate lock date was entered correctly – see Pg#271. An interior and exterior appraisal was completed for this property – see pg #18, the appraisal disclosure is provided on Pg #588, and confirmation the appraisal was delivered to the borrower – see Pg #259, #338. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4960252 | N/A | N/A |
| XX | 2506160549 |  |  | Closed | 2025-07-28 05:37 | 2025-07-28 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.498%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#531 and the Final Closing disclosure on Pg#286, Finding reflects escrows. Rate lock date was entered correctly – see Pg#271. An interior and exterior appraisal was completed for this property – see pg #18, the appraisal disclosure is provided on Pg #588, and confirmation the appraisal was delivered to the borrower – see Pg #259, #338. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 |  | Resolved-The loan's (8.498%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#531 and the Final Closing disclosure on Pg#286, Finding reflects escrows. Rate lock date was entered correctly – see Pg#271. An interior and exterior appraisal was completed for this property – see pg #18, the appraisal disclosure is provided on Pg #588, and confirmation the appraisal was delivered to the borrower – see Pg #259, #338. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4960251 | N/A | N/A |
| XX | 2504153233 |  |  | Closed | 2025-07-30 15:57 | 2025-08-04 10:50 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Provide Lender Approval Form. Lender approval form missing in file. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/04/2025<br>| XX APPROVAL.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4995043 | N/A | N/A |
| XX | 2506162094 |  |  | Closed | 2025-08-05 06:43 | 2025-08-14 13:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s270 and the Final Closing disclosure on Pg#'s161, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s155, 284. An interior and exterior appraisal was completed for this property – see pg#24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s340, and confirmation the appraisal was delivered to the borrower – see Pg#'s177. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Hi there - do we need to provided anything else to get this cleared? - Thx! - Seller-08/12/2025 <br>Open- - Due Diligence Vendor-08/06/2025 <br>Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s270 and the Final Closing disclosure on Pg#'s161, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s155, 284. An interior and exterior appraisal was completed for this property – see pg#24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s340, and confirmation the appraisal was delivered to the borrower – see Pg#'s177. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Hi there - do we need to provided anything else to get this cleared? - Thx! - Seller-08/12/2025<br>| Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s270 and the Final Closing disclosure on Pg#'s161, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s155, 284. An interior and exterior appraisal was completed for this property – see pg#24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s340, and confirmation the appraisal was delivered to the borrower – see Pg#'s177. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/14/2025 <br>Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s270 and the Final Closing disclosure on Pg#'s161, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s155, 284. An interior and exterior appraisal was completed for this property – see pg#24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s340, and confirmation the appraisal was delivered to the borrower – see Pg#'s177. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-08/05/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5053418 | N/A | N/A |
| XX | 2506161306 |  |  | Closed | 2025-08-04 14:45 | 2025-08-12 13:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 with complete pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/12/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Open-The Final 1003 is Incomplete Section 9 page of Final 1003 is missing from file. Provide all pages of Final 1003. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Updated Final 1003 with complete pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/12/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/12/2025<br>| xxx COMPLETE 1003.pdf |  |  | TX | Investment | Purchase | NA | 5040147 | N/A | N/A |
| XX | 2506161306 |  |  | Closed | 2025-08-05 14:02 | 2025-08-08 17:29 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval provided with Core DSCR program credit type. Resolved. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Provide the lender approval form with the applicable program. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Lender Approval provided with Core DSCR program credit type. Resolved. - Due Diligence Vendor-08/08/2025<br>| XX APPROVAL.pdf |  |  | TX | Investment | Purchase | NA | 5056576 | N/A | N/A |
| XX | 2505158994 |  |  | Closed | 2025-08-13 06:32 | 2025-08-28 11:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-08/28/2025 <br>Resolved- - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Revised Closing Disclosure reflects the loan discount fee with an amount of $1,834; however, the loan discount fee increased to $4, 18.20. This is an increase in the amount of $2,384.20. The cure for the increase is a PCCD, LOE, copy of the receipt of the documentation and a copy of the check or the re-imbursement to the Borrower. - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved- - Due Diligence Vendor-08/28/2025<br>| COC_XX.pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5156737 | N/A | N/A |
| XX | 2505158994 |  |  | Closed | 2025-08-13 06:32 | 2025-08-28 11:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The documentation received was sufficient to resolve the finding. COC dated 07/28/2025 - Due Diligence Vendor-08/28/2025 <br>Open- - Due Diligence Vendor-08/28/2025 <br>Resolved-The loan's (10.669%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #573 and the Final Closing disclosure on Pg #276, Finding reflects escrows. Rate lock date was entered correctly – see Pg #544. An interior and exterior appraisal was completed for this property – see Pg #53, the appraisal disclosure was provided to the borrower Pg #622 and confirmation the appraisal was delivered to the borrower – see Pg #.50<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-The documentation received was sufficient to resolve the finding. COC dated 07/28/2025 - Due Diligence Vendor-08/28/2025 <br>Resolved-The loan's (10.669%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #573 and the Final Closing disclosure on Pg #276, Finding reflects escrows. Rate lock date was entered correctly – see Pg #544. An interior and exterior appraisal was completed for this property – see Pg #53, the appraisal disclosure was provided to the borrower Pg #622 and confirmation the appraisal was delivered to the borrower – see Pg #.50<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5156736 | N/A | N/A |
| XX | 2506160718 |  |  | Closed | 2025-08-23 18:49 | 2025-08-26 15:04 | 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-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Open-The 1008 document is missing from the loan file. Appraised value is incorrect on 1008. Appraisal shows $375,000, causing a LTV difference. - Due Diligence Vendor-08/23/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/26/2025<br>| xxx_XX_Final 1008.pdf |  |  | NV | Investment | Refinance | Cash Out - Other | 5293259 | N/A | N/A |
| XX | 2506160718 |  |  | Closed | 2025-08-22 10:44 | 2025-08-26 07:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2025<br>| xxx_XX_Final 1003.pdf |  |  | NV | Investment | Refinance | Cash Out - Other | 5277679 | N/A | N/A |
| XX | 2503152334 |  |  | Closed | 2025-05-28 10:12 | 2025-06-06 12:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. please see updated 1008 - Seller-06/05/2025 <br>Counter-Primary wage earner mid score is the correct qualifying method. Can you update the 1008 to 773. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-U/W using the lower of the two FICO between both borrowers. The 729 FICO is correct. - Seller-06/03/2025 <br>Open-Qualifying FICO on the 1008 Page is '729' or blank, but the Qualifying FICO from the Credit Liabilities Page is '773' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '729', but the Qualifying FICO from the Credit Liabilities Page is '773' - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. please see updated 1008 - Seller-06/05/2025 <br>Ready for Review-U/W using the lower of the two FICO between both borrowers. The 729 FICO is correct. - Seller-06/03/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025<br>| XX 1008.pdf |  |  | CA | Primary Residence | Purchase | NA | 4253234 | N/A | N/A |
| XX | 2503152334 |  |  | Closed | 2025-05-28 11:11 | 2025-05-28 11:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.404%) equals or exceeds the California HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.74%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 569 and the Final Closing disclosure on Pg#'s 349, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 581. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 401, and HPML Page # 574.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-05/28/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.404%) equals or exceeds the California HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.74%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 569 and the Final Closing disclosure on Pg#'s 349, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 581. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 401, and HPML Page # 574.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-05/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4253573 | N/A | N/A |
| XX | 2503152334 |  |  | Closed | 2025-05-28 11:11 | 2025-05-28 11:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.404%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 569 and the Final Closing disclosure on Pg#'s 349, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 581. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 401, and HPML Page # 574.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-05/28/2025 |  | Resolved-The loan's (9.404%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 569 and the Final Closing disclosure on Pg#'s 349, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 581. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 401, and HPML Page # 574.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-05/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4253575 | N/A | N/A |
| XX | 2504154875 |  |  | Closed | 2025-05-29 09:25 | 2025-06-03 12:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($500.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (Appraisal Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credit added in initial cd for appraisal fee where as final cd it went appraisal fee Buyer POC due to that it is creating the finding, required coc for final cd. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved- - Due Diligence Vendor-06/03/2025<br>| xxx_XX_COC.pdf |  |  | MD | Primary Residence | Purchase | NA | 4266382 | N/A | N/A |
| XX | 2504154875 |  |  | Closed | 2025-05-29 09:24 | 2025-06-03 12:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-06/03/2025 <br>Resolved-The loan's (8.547%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 341 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 209,349. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 427, and confirmation the appraisal was delivered to the borrower – see Pg#'s 264, and HPML Page # 344 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-05/29/2025 |  | Resolved-. - Due Diligence Vendor-06/03/2025 <br>Resolved-The loan's (8.547%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 341 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 209,349. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 427, and confirmation the appraisal was delivered to the borrower – see Pg#'s 264, and HPML Page # 344 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-05/29/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4266377 | N/A | N/A |
| XX | 2504154875 |  |  | Closed | 2025-05-29 05:31 | 2025-06-03 12:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-06/03/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.547%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.74%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 341 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 209,349. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 427, and confirmation the appraisal was delivered to the borrower – see Pg#'s 264, and HPML Page # 344 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-05/29/2025 |  | Resolved-. - Due Diligence Vendor-06/03/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.547%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.74%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) "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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 341 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 209,349. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 427, and confirmation the appraisal was delivered to the borrower – see Pg#'s 264, and HPML Page # 344 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-05/29/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4265512 | N/A | N/A |
| XX | 2504152671 |  |  | Closed | 2025-06-05 14:56 | 2025-06-11 21:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided and uploaded to file, XXXX cleared. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker Fee, Points - Loan Discount Fee increased from Initial CD to Final CD but COC not available. Provide COC for Broker Fee, Points - Loan Discount Fee increase. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-COC provided and uploaded to file, XXXX cleared. - Due Diligence Vendor-06/11/2025<br>| XX COC.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4345143 | N/A | N/A |
| XX | 2504152671 |  |  | Closed | 2025-06-05 12:46 | 2025-06-11 07:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $549000 is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025 <br>Resolved-Title Coverage Amount of $549000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Title Coverage Amount of $533500 is Less than Loan Amount Provide Title coverage amount covering the loan amount. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $549000 is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025 <br>Resolved-Title Coverage Amount of $549000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/11/2025<br>| Title Commitment - XX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4343131 | N/A | N/A |
| XX | 2504152671 |  |  | Closed | 2025-06-05 14:56 | 2025-06-11 21:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.392%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/11/2025 <br>Resolved-The loan's (8.392%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s492 and the Final Closing disclosure on Pg#'s399-404, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s391, 503-505. An interior and exterior appraisal was completed for this property – see pg#18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s548, and confirmation the appraisal was delivered to the borrower – see Pg#'s421. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/05/2025 |  | Resolved-The loan's (8.392%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/11/2025 <br>Resolved-The loan's (8.392%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s492 and the Final Closing disclosure on Pg#'s399-404, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s391, 503-505. An interior and exterior appraisal was completed for this property – see pg#18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s548, and confirmation the appraisal was delivered to the borrower – see Pg#'s421. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/05/2025<br>|  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4345144 | N/A | N/A |
| XX | 2505157260 |  |  | Closed | 2025-06-20 06:14 | 2025-06-20 19:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.941%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #715,793 and the Final Closing disclosure on Pg #555, Finding reflects escrows. Rate lock date was entered correctly – see Pg #725. An interior and exterior appraisal was completed for this property – see Pg 24, the appraisal disclosure was provided to the borrower Pg #774 and confirmation the appraisal was delivered to the borrower – see Pg #21,22.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 <br>Open- - Due Diligence Vendor-06/20/2025 |  | Resolved-The loan's (9.941%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) 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> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #715,793 and the Final Closing disclosure on Pg #555, Finding reflects escrows. Rate lock date was entered correctly – see Pg #725. An interior and exterior appraisal was completed for this property – see Pg 24, the appraisal disclosure was provided to the borrower Pg #774 and confirmation the appraisal was delivered to the borrower – see Pg #21,22.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/20/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4506396 | N/A | N/A |
| XX | 2505157263 |  |  | Closed | 2025-06-28 07:05 | 2025-07-07 15:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved with XXXX run - Due Diligence Vendor-07/07/2025 <br>Ready for Review-please see other condition for explanation. thank you - Seller-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 <br>Resolved-The loan's (8.411%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 362 and the Final Closing disclosure on Pg 192, Finding reflects escrows. Rate lock date was entered correctly – see Pg 378. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg 464, and confirmation the appraisal was delivered to the borrower – see Pg 17-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/28/2025 <br>Open- - Due Diligence Vendor-06/28/2025 | Ready for Review-please see other condition for explanation. thank you - Seller-07/02/2025<br>| Resolved-Resolved with XXXX run - Due Diligence Vendor-07/07/2025 <br>Resolved-The loan's (8.411%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 362 and the Final Closing disclosure on Pg 192, Finding reflects escrows. Rate lock date was entered correctly – see Pg 378. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg 464, and confirmation the appraisal was delivered to the borrower – see Pg 17-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4594296 | N/A | N/A |
| XX | 2505157263 |  |  | Closed | 2025-06-28 07:05 | 2025-07-07 15:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Resolved with XXXX run - Due Diligence Vendor-07/07/2025 <br>Ready for Review-This condition claims that based on the documentation provided we meet HPML GL's and it is resolved. Please advise, thank you. - Seller-07/02/2025 <br>Open- - Due Diligence Vendor-07/02/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.411%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 362 and the Final Closing disclosure on Pg 192, Finding reflects escrows. Rate lock date was entered correctly – see Pg 378. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg 464, and confirmation the appraisal was delivered to the borrower – see Pg 17-19. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/28/2025 <br>Open- - Due Diligence Vendor-06/28/2025 | Ready for Review-This condition claims that based on the documentation provided we meet HPML GL's and it is resolved. Please advise, thank you. - Seller-07/02/2025<br>| Resolved-Resolved with XXXX run - Due Diligence Vendor-07/07/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.411%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 362 and the Final Closing disclosure on Pg 192, Finding reflects escrows. Rate lock date was entered correctly – see Pg 378. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg 464, and confirmation the appraisal was delivered to the borrower – see Pg 17-19. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-06/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 4594295 | N/A | N/A |

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## Exhibit 99.10

**Exhibit 99.10 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 132503008 |  |  | 04-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 132504064 |  |  | 04-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 112504099 |  |  | 04-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 112503006 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-XX-2025 |
| 132504183 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2025 |
| 132504250 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 132504068 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 112504126 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2504154376 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 132504326 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-XX-2025 |
| 112504244 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2025 |
| 132504236 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-XX-2025 |
| 132504272 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 04-XX-2025 |
| 2503151758 |  |  | 04-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | -20000.0 | XX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | -20000.0 | XX | XX | MODERATE RISK | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 | 03-XX-2025 |
| 2504155656 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | 5000.0 | XX | 04-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 | 04-XX-2025 |
| 2505156258 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 142503998 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-XX-2025 |
| 132503871 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 13.58 | 13.58 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2025 |
| 112504245 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 132504336 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 132504266 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 49.09 | 49.09 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 132504123 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2025 |
| 162504107 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 33.52 | 33.52 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2504155163 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505156372 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 132504279 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 112504191 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 112504059 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-XX-2025 |
| 132504299 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 31.45 | 31.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162503824 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 77.5 | 77.5 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2504153931 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 112504302 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 5000.0 | XX | Collateral Underwriter (CU) |  |  |  |  | XX | 5000.0 | XX | 04-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 162505375 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 132504220 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 112504297 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 72.73 | 72.73 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 132503896 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 67.5 | 67.5 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2025 |
| 132504310 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2504154705 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 74.35 | 74.35 | XX | -10000.0 | XX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | -10000.0 | XX | XX | No Risk Score Noted | 03-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 05-XX-2025 |
| 2505157232 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | NA | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-XX-2025 |
| 142504338 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-XX-2025 |
| 132504258 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-XX-2025 |
| 2505156906 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505156320 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | EXCELLENT | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-XX-2025 |
| 2504154930 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 05-XX-2025 |
| 2505158088 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-XX-2025 |
| 2505157767 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2505156823 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-XX-2025 |
| 112503799 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 03-XX-2025 | 1004 URAR | XX | XX | XX | 69.77 | 69.77 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2025 |
| 2503151055 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2504155570 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 05-XX-2025 |
| 2505158631 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Excellent | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158302 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 05-XX-2025 |
| 2505156214 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 72.5 | 72.5 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-XX-2025 |
| 2505157206 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 79.94 | 79.94 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158438 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505157297 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.94 | 80.94 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2504155043 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 70.77 | 70.77 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-XX-2025 |
| 2505157254 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505158496 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-XX-2025 |
| 2506159269 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 200532 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 02-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200535 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200573 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200659 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200660 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2505158427 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-XX-2025 |
| 2505158795 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-XX-2025 |
| 2505158514 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-XX-2025 |
| 2505157947 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-XX-2025 |
| 2505157250 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-XX-2025 |
| 2505158385 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 56.0 | 56.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505156640 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-XX-2025 |
| 2506160741 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 02-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | 335000.0 | XX | 01-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 06-XX-2025 |
| 2506160686 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 06-XX-2025 |
| 2505156791 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-XX-2025 |
| 2503152188 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-XX-2025 |
| 2505158300 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 78.75 | 78.75 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-XX-2025 |
| 2505158585 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158881 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 06-XX-2025 |
| 2505158669 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2504156138 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2506159458 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 68.0 | 68.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505159033 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158823 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 89.9 | 89.9 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158951 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-XX-2025 |
| 2506159503 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 5000.0 | XX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 5000.0 | XX | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 06-XX-2025 |
| 2505159067 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505157663 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2504155713 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Score Noted | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 06-XX-2025 |
| 2505156957 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-XX-2025 |
| 2505158400 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505157546 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 06-XX-2025 |
| 2505158867 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-XX-2025 |
| 2506160143 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-XX-2025 |
| 2502147297 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-XX-2025 |
| 2506159900 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 84.7 | 84.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-XX-2025 |
| 2505158799 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 06-XX-2025 |
| 132504320 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505157787 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 66.54 | 66.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-XX-2025 |
| 7000133250 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2506159767 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2506159330 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-XX-2025 |
| 2506160707 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2506160041 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 84.95 | 84.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-XX-2025 |
| 2506160970 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-XX-2025 |
| 2506159628 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 2506161261 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 54.17 | 54.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 07-XX-2025 |
| 2506160828 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2505158682 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 06-XX-2025 |
| 7000138902 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 33.37 | 33.37 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-XX-2025 |
| 2506159490 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 68.23 | 68.23 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | REASONABLE | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-XX-2025 |
| 7000137760 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-XX-2025 |
| 2506159200 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-XX-2025 |
| 2506160340 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 64.0 | 64.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-XX-2025 | Eligible | 1 | 06-XX-2025 |
| 2506159447 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-XX-2025 |
| 2505158876 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2506160428 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |
| 2506160358 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2505158851 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 69.83 | 69.83 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2504155934 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 | Eligible | 1 | 05-XX-2025 |
| 2506160170 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | -16000.0 | XX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | -16000.0 | XX | XX | Reasonable | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 06-XX-2025 |
| 2506159874 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |
| 7000137159 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-XX-2025 | Eligible |  |  |
| 7000138961 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 77.14 | 77.14 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 2506160990 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | -2000.0 | XX | 07-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-XX-2025 |
| 2506160743 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 7000138313 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 61.22 | 61.22 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-XX-2025 | Eligible |  |  |
| 2506160549 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Provided | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-XX-2025 |
| 2506161184 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2504153233 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Score Noted | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2025 |
| 2506162094 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 55.8 | 55.8 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-XX-2025 |
| 2506161306 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 06-XX-2025 |
| 2505158012 |  |  | 08-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 63.71 | 63.71 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |
| 2505158994 |  |  | 07-XX-2025 | XX | XX | XX | $XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | 74.86 | 74.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 06-XX-2025 |
| 2506161153 |  |  | 08-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 08-XX-2025 |
| 2506160718 |  |  | 08-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 68.88 | 68.88 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-XX-2025 |
| 2506160722 |  |  | 08-XX-2025 | XX | XX | XX | $XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | -900.0 | XX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | -900.0 | XX | XX | Excellent | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-XX-2025 |
| 2503152334 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Risk Score Noted | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2025 |
| 2504154875 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-XX-2025 |
| 2504152671 |  |  | 05-XX-2025 | XX | XX | XX | $XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | 61.75 | 61.75 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-XX-2025 |
| 2505157260 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2505157263 |  |  | 06-XX-2025 | XX | XX | XX | $XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-XX-2025 |

---

## Exhibit 99.11

**Exhibit 99.11**

![](ex99-11_001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by PRP VI AIV Holdings, LLC (the "Client"). The Review took place from May 2025 to July 2025 on Loans with origination dates in April 2025 to June 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 10 Loans totaling an original principal balance of approximately $3,030,050.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 4 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (49 Fields)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;NoteDate |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;NumberofUnits |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;OriginatorDocType |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;OriginatorQMStatus |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;PrepaymentPenalty |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;ProposedRealEstateTaxes |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;QualifyingLTV |

---

![](ex99-11_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;RefinanceType |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;UnderwritingGuidelineName |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;UnderwritingGuidelineVersionDate |
| &nbsp;&nbsp;MaturityDate |  |

---

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The

description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (4 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, TSG 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:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG 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, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (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.

![](ex99-11_001.jpg)

**Occupancy Review:** TSG 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:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** TSG 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 in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

![](ex99-11_001.jpg)

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\*<br>|
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp; Identification / proof of residency<br> status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp; Certification(s) of Non-Owner<br> Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**Value of collateral securing the assets: review and methodology.**

TSG'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. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

![](ex99-11_001.jpg)

**Residential Population (4 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG 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;&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;

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

![](ex99-11_001.jpg)

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&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.

&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> 

&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 mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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, TSG's
review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements,
for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage
loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&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;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&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.

![](ex99-11_001.jpg)

(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;

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;&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 mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&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 mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated
business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;

![](ex99-11_001.jpg)

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);

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;&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;&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;&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.)

&nbsp;&nbsp;&nbsp;&nbsp;&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.

(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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

![](ex99-11_001.jpg)

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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, TSG 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.

**General Ability to Repay**

TSG 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.

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

![](ex99-11_001.jpg)

(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;&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;

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) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) 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;**

 **(VIII) Federal and state specific late charge and prepayment penalty provisions.**

 **(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(X) FIRREA Review

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

(XI) Document Review

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

![](ex99-11_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 70% |
| B | 3 | 30% |
| **Total** | 10 | **100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

90% of Loans received an "A" compliance grade and 10% of Loans received a compliance grade of "B." The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 9 | 90% |
| B | 1 | 10% |
| **Total** | 10 | **100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 8 | 80% |
| B | 2 | 20% |
| **Total** | **10** | **100.0%** |

---

![](ex99-11_001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 9 | 90% |
| B | 1 | 10% |
| **Total** | **10** | **100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 56 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | <br> **% Variance** |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;40% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |

---

![](ex99-11_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10% |
| &nbsp;&nbsp;ProposedRealEstateTaxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | 10 | 100% | $3030050.00 | 100% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;360 | 9 | 90% | $2801300.00 | 92.45% |
| &nbsp;&nbsp;240 | 1 | 10% | $228750.00 | 7.55% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Primary Residence | 4 | 40% | $1830200.00 | 60.4% |
| &nbsp;&nbsp;Investment | 6 | 60% | $1199850.00 | 39.6% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

![](ex99-11_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | 6 | 60% | $2230950.00 | 73.63% |
| &nbsp;&nbsp;Condominium | 2 | 20% | $339000.00 | 11.19% |
| &nbsp;&nbsp;Two to Four Unit | 2 | 20% | $460100.00 | 15.18% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Refinance | 6 | 60% | $2467750.00 | 81.44% |
| &nbsp;&nbsp;Purchase | 4 | 40% | $562300.00 | 18.56% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;FL | 2 | 20% | $533500.00 | 17.61% |
| &nbsp;&nbsp;HI | 1 | 10% | $228750.00 | 7.55% |
| &nbsp;&nbsp;IL | 1 | 10% | $110250.00 | 3.64% |
| &nbsp;&nbsp;IN | 1 | 10% | $123200.00 | 4.07% |
| &nbsp;&nbsp;NJ | 2 | 20% | $1443000.00 | 47.62% |
| &nbsp;&nbsp;OH | 1 | 10% | $100100.00 | 3.3% |
| &nbsp;&nbsp;OK | 1 | 10% | $131250.00 | 4.33% |
| &nbsp;&nbsp;PA | 1 | 10% | $360000.00 | 11.88% |
| &nbsp;&nbsp;**Total** | **10** | **100.0%** | **$3030050.00** | **100.0%** |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| REDACTED |  | 142257 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | XXXX | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | XXXX | Yes | Employed |  | No |  | No |  |
| REDACTED |  | 142259 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | 142260 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 145477 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 142236 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 145465 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | XXXX | 9.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 142247 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | XXXX | 7.735 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | Employed |  | No |  | No |  |
| REDACTED |  | 145487 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | XXXX | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 142220 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Missing |
| REDACTED |  | 145490 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 142259 | REDACTED | Property Type | propertyValuationPage | Condominium | Condo | Same value, entry discrepancy |
| REDACTED |  | 142259 | REDACTED | Occupancy | the1003Page | Investment | I | Same value, entry discrepancy |
| REDACTED |  | 142259 | REDACTED | Prepayment Penalty Type | notePage | Hard | N | REDACTED |
| REDACTED |  | 142259 | REDACTED | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | 9 | DSCR file verified |
| REDACTED |  | 142259 | REDACTED | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | NONQM | Status used per guidance |
| REDACTED |  | 142259 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | XXXX | REDACTED |
| REDACTED |  | 142259 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 142259 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | nonQM Prime OO | REDACTED |
| REDACTED |  | 142260 | REDACTED | Property Type | propertyValuationPage | Single Family Detached | DETACHED | Mapping |
| REDACTED |  | 142260 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | 30 YR FIXED DSCR 1 YR PPP | Mapping |
| REDACTED |  | 145477 | REDACTED | Occupancy | the1003Page | Investment | Investment Property | Mapping |
| REDACTED |  | 145477 | REDACTED | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal report |
| REDACTED |  | 142236 | REDACTED | Loan Purpose | the1003Page | Refinance | Rate-Term | Mapping |
| REDACTED |  | 142236 | REDACTED | Prepayment Penalty Type | notePage | Hard | 5yr Prepay_5Pct | Per Prepayment rider |
| REDACTED |  | 142236 | REDACTED | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR Loan |
| REDACTED |  | 145465 | REDACTED | Property Address | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 145465 | REDACTED | CLTV | propertyValuationPage | XXXX | XXXX | REDACTED |
| REDACTED |  | 142247 | REDACTED | Loan Purpose | the1003Page | Refinance | Rate-Term | FROM THE FINAL CD |
| REDACTED |  | 145487 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 145487 | REDACTED | Refinance Type | the1003Page | Cash Out - Debt Consolidation | Non-QM FULL DOC | from the 1003 |
| REDACTED |  | 145487 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 145487 | REDACTED | Prepayment Penalty Total Term | notePage | 0 | N/A | from the note |
| REDACTED |  | 145487 | REDACTED | Prepayment Penalty | complianceResultsPage | No | N | from the note |
| REDACTED |  | 145487 | REDACTED | Originator Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Per income docs |
| REDACTED |  | 145487 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 145487 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0 | N/A | Loan is not a DSCR |
| REDACTED |  | 145487 | REDACTED | B1 Originator Citizenship Designation | fraudReportPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 142220 | REDACTED | Property Type | propertyValuationPage | Two to Four Unit | 3-Unit | Per appraisal report |
| REDACTED |  | 142220 | REDACTED | CLTV | propertyValuationPage | XXXX | XXXX | REDACTED |
| REDACTED |  | 142220 | REDACTED | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR |
| REDACTED |  | 142220 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 145490 | REDACTED | Property Type | propertyValuationPage | Condominium | Condo-NonWarrantable | Exception on page 1 |
| REDACTED |  | 145490 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 145490 | REDACTED | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Exempt |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing 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?** |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached email from UW- additional 3 months were excluded in original calculation - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 based on updated lender income worksheet needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached email from UW- additional 3 months were excluded in original calculation - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED - Bk Stmt Inc Calc.pdf<br> REDACTED UW email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. See attached email from UW- additional 3 months were excluded in original calculation - Seller-REDACTED <br>Open-Income Calculation wworksheet reflects 15 months of bank statements. Updated income worksheet to 12 months bank statements needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached email from UW- additional 3 months were excluded in original calculation - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED UW email.pdf<br> REDACTED - Bk Stmt Inc Calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Proof of bonafide discount points received. - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Buyer-REDACTED <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 REDACTED |  | Resolved-Proof of bonafide discount points received. - Due Diligence Vendor-REDACTED <br>Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED bonafide calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC/CD uploaded - Buyer-REDACTED <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. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED COC.pdf<br> Final CD REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Buyer-REDACTED <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 REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | Final CD REDACTED.pdf<br> REDACTED COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Seller-REDACTED <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. \*\*\*Verification the REDACTED | Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Seller-REDACTED<br>| Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED bonafide calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Seller-REDACTED <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 XXXX 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; orThe 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; orThe loan is a chattel 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 the disclosures required by 12 CFR §1026.32; orThe 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. \*\*\*Verification the REDACTED | Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Seller-REDACTED<br>| Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED bonafide calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142257 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bonafide discount calc uploaded - Buyer-REDACTED <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. \*\*\*Verification the REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED bonafide calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142259 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title policy received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Email from title company indicating the leasehold is covered received. Still needed Final Policy removing items #20 & 21 on preliminary title pg 459. Explanation of both items needed. Rents are assigned based on title in file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Received - Verification special assessment of REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final title policy received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED TITLE.pdf<br> REDACTED CONFIRMATION.pdf<br> REDACTED TITLE POLICY.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142259 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-XXXX recieved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1007 cannot be used for short term rents, XXXX or actual short term rental verification required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-XXXX recieved - Due Diligence Vendor-REDACTED |  |  | REDACTED XXXX-3.pdf<br> REDACTED XXXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142260 D B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Acknowledged-Exception for REDACTED guidelines which require rental income loss coverage of 6 months. Coverage is present, but less than 6 months. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated form attached - Seller-REDACTED <br> Counter-Exception for the PPP and Rent Loss can be accepted, but requires an updated exception form that does not state using investor guidelines on this first vs. lender guidelines. Please re-send exception form without the "Using Investor first lien guidelines in lieu of lender 1st lien guidelines" as this is not an exception that can be made. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached exception form to utilize REDACTED guidelines - Seller-REDACTED <br> Counter-First liens are required to be underwritten to REDACTED guidelines. Hazard insurance rental coverage is REDACTED, which is less than 6 months of rental income. REDACTED Guidelines require 6 months of rental income coverage. If REDACTED is making an exception, please submit exception form with compensating factors and signed by approving underwriter. - Due Diligence Vendor-REDACTED <br> Ready for Review-Written to REDACTED guideline and documentation uploaded was from REDACTED stating rent loss not required. Please re-review - Seller-REDACTED <br> Counter-Investor advised REDACTED underwrites first mortgages to REDACTED guidelines. REDACTED guidelines require rent loss coverage. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard insurance rental coverage is REDACTED, which is less than 6 months of rental income. REDACTED Guidelines require 6 months of rental income coverage. (May be sufficient depending on rental income per month once determined on other finding.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. updated form attached - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see attached exception form to utilize REDACTED guidelines - Seller-REDACTED <br>Ready for Review-Written to REDACTED guideline and documentation uploaded was from REDACTED stating rent loss not required. Please re-review - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Exception for REDACTED guidelines which require rental income loss coverage of 6 months. Coverage is present, but less than 6 months. - Due Diligence Vendor-REDACTED<br>|  | Coverage present, DSCR score of REDACTED, lender guidelines more restrictive than investor guidelines, REDACTED% CLTV | REDACTED rental loss email.pdf<br> REDACTED rental loss loe.pdf<br> REDACTED exception form.pdf<br> REDACTED updated exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 142260 D B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Note is Incomplete | Acknowledged-. - Due Diligence Vendor-REDACTED <br> Acknowledged-Exception received to allow 12 month PPP vs. REDACTED guideline requirement of 3 years for an investmenr property listed within 6 months. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated form attached - Seller-REDACTED <br> Counter-Exception for the PPP and Rent Loss can be accepted, but requires an updated exception form that does not state using investor guidelines on this first vs. lender guidelines. Please re-send exception form without the "Using Investor first lien guidelines in lieu of lender 1st lien guidelines" as this is not an exception that can be made. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached exception form to utilize REDACTED guidelines - Seller-REDACTED <br> Counter-First liens are required to be underwritten to REDACTED guidelines. Prepayment penalty required to be 3 years for an investment property listed within 6 months per pg 8 REDACTED guidelines dated REDACTED. PPP is 12 months on loan. If REDACTED is making an exception, please submit exception form with compensating factors and signed by approving underwriter. - Due Diligence Vendor-REDACTED <br> Ready for Review-Written to REDACTED guidelines please re-review - Seller-REDACTED <br> Counter-1st liens are underwritten to REDACTED guidelines per investor instruction, not REDACTED guidelines. Prepayment penalty required to be 3 years for an investment property listed within 6 months per pg 8 REDACTED guidelines dated REDACTED. PPP is 12 months on loan. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-The Note is Incomplete Prepayment penalty required to be 3 years for an investment property listed within 6 months per pg 8 REDACTED guidelines dated REDACTED. PPP is 12 months on loan. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. updated form attached - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see attached exception form to utilize REDACTED guidelines - Seller-REDACTED <br>Ready for Review-Written to REDACTED guidelines please re-review - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-. - Due Diligence Vendor-REDACTED <br>Acknowledged-Exception received to allow 12 month PPP vs. REDACTED guideline requirement of 3 years for an investmenr property listed within 6 months. - Due Diligence Vendor-REDACTED<br>|  | Coverage present, DSCR score of REDACTED, lender guidelines more restrictive than investor guidelines, REDACTED% CLTV | REDACTED ppp loe.pdf<br> REDACTED exception form.pdf<br> REDACTED updated exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 142260 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Short term rental resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. URLs to accompany attached LOE<br>• XXXX for this property: REDACTED<br>• The property can be reference here on XXXX. REDACTED - Seller-REDACTED <br> Counter-LOE from lender received on short term rental. Items needed: 1. Booking.com - pages 1 &3 - verification is needed that property #REDACTED is subject address. Adddress is not on the booking.com statements. 2. XXXX statements are not in the file. XXXX statements are required with property address. (Bank statements cannot be used in place of XXXX statements to verify that the short-term rent is from this property. The bank statements do not state the property the income was derived from. The Excel document cannot be used as verification.) <br>Verified so far once address verification is received of property number is XXXX REDACTED - Page 1 - Jan-April REDACTED = REDACTED | Ready for Review-Document Uploaded. URLs to accompany attached LOE<br>• XXXX for this property: REDACTED<br>• The property can be reference here on XXXX. REDACTED - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Short term rental resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED rental loe.pdf<br> REDACTED LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 145477 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Death certificates received - Due Diligence Vendor-REDACTED <br> Open-The non-borrowing signors did not sign the Deed of Trust as required as owners. Title to property is in REDACTED & REDACTED, husband and wife (non-borrowers) and REDACTED (borrowers) WROS per title committment. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Both grandparents, REDACTED have departed this life. The Deed is a right of survivorship so by operation of law it goes to REDACTED directly. death certs attached. - Seller-REDACTED | Resolved-Death certificates received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED_REDACTED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 145477 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED |  |  | title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 142236 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached title. <br> Thanks!! - Buyer-REDACTED <br>Open-Title Document is missing - Due Diligence Vendor-REDACTED |  | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | title.pdf<br>LOE 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 145465 C B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Acknowledged-Asset Record 1 Does Not Meet G/L Requirements - Business funds transferred into newly personal savings account (REDACTED) opened on REDACTED |  | Acknowledged-Asset Record 1 Does Not Meet G/L Requirements - Business funds transferred into newly personal savings account (REDACTED) opened on REDACTED |  | - DTI is REDACTED% vs program max of 50%<br> - Borrower has XXXX on open mortgage on owned investment property<br> - Borrower has been self employed for the past 4 years with his business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| REDACTED |  | 145465 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi, <br> Please see attached income including REDACTED<br> Thanks! - Seller-REDACTED <br> Counter-REDACTED statement received. Updated income calculation including REDACTED is needed to be within 60 days of note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see full REDACTED Business Bank Statement.<br> Thanks! - Seller-REDACTED <br> Open-Lender income worksheet is calculated with last month of REDACTED which is more than 60 days from note date (XX/XX/XX). Partial REDACTEDand REDACTED statement in file, pg 537, but full REDACTED business statement is not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi, <br> Please see attached income including REDACTED<br> Thanks! - Seller-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see full REDACTED Business Bank Statement.<br> Thanks! - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED Business bank statement.pdf<br> Income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 145465 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. \*\*Please note that the savings account was opened on REDACTED as evidenced on the statement. <br> Thanks! - Seller-REDACTED <br> Open-REDACTED account - screenshots in file are less than 30 days of statements, 60 days required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. \*\*Please note that the savings account was opened on REDACTED as evidenced on the statement. <br> Thanks! - Seller-REDACTED |  |  |  | REDACTEDl Savings.pdf<br> REDACTEDl Checking.pdf<br> REDACTED Checking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 145465 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached signed CPA letter.<br> Thanks! - Seller-REDACTED <br> Open-CPA letter was not signed by CPA page 266 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached signed CPA letter.<br> Thanks! - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | Signed CPA Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 142247 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | NJ First Lien Prohibited Fees Test | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. see attached. Bonafide discount points applied to NJ prohibited fees - Buyer-REDACTED <br> Open-This loan failed the first lien prohibited fees test. (REDACTED. §17:11C-74, REDACCTED. §§3:1-16.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points THE LENDER CHARGED AN APPLICATION FEE, POINTS AND AN ORIGINATION FEE. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED bonafide points applied to REDACTED fail.pdf<br> Compliance Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 142247 D A C | Closed | REDACTED | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. VOEs uploaded - Buyer-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE in file dated REDACTED exceeds 30 days from Note allowed by Guidelines REDACTED page 715,711,713,714, 42 - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED.pdf<br> REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 142247 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached is the REDACTED bank statement - Buyer-REDACTED <br> Open-- Lender qualified borrower using 12 months bank statement from REDACTED to REDACTED, however, the loan file is missing REDACTED bank statement to verify deposits page 10 - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED bank statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 145487 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC & PCCD/cure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Please See finding 3652 for condition. - Seller-REDACTED <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% (REDACTED | Ready for Review-Please See finding 3652 for condition. - Seller-REDACTED<br>| Resolved-COC & PCCD/cure received - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 145487 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC & PCCD/cure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Please see Post Consummation CD with refund. Lender compliance issued post CD and REDACTED | Ready for Review-Please see Post Consummation CD with refund. Lender compliance issued post CD and REDACTED | Resolved-COC & PCCD/cure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED_ post Cd refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 145487 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Document Uploaded. COC & PCCD/cure received - Due Diligence Vendor-REDACTED <br>Ready for Review-See 3652 - Post CD - Seller-REDACTED <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. THE RECORDING FEE WAS DISCLOSED AS REDACTED | Ready for Review-See 3652 - Post CD - Seller-REDACTED<br>| Resolved-Document Uploaded. COC & PCCD/cure received - Due Diligence Vendor-REDACTED<br>|  |  | COC From REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 142220 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED <br> Open-VOM for primary residence required for prior 12 months. Primary residence w/ REDACTED has one month of history on credit report. VOM/VOR for full 12 months is required. Borrower does not meet professional investor requirements. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED.pdf<br> REDACTED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142220 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-All collections are medical. Resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached from the UW manager.<br> Thanks! - Buyer-REDACTED <br>Open-Per guidelines, Collections and charge-offs < 24 months old with a maximum cumulative balance of REDACTED |  | Resolved-All collections are medical. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | Collections.odt | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142220 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. the source is from a recent refinance.<br> Thanks! - Seller-REDACTED <br> Open-Savings account large deposit of incoming wire transfer on REDACTED in the amount of REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. the source is from a recent refinance.<br> Thanks! - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | Source Large Deposit.pdf<br>Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142220 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached from the UW manager.<br> Thanks! - Seller-REDACTED <br>Open-Lender calculation uses REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached from the UW manager.<br> Thanks! - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | DSCR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 142220 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Certificate of Occupancy | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached Occupancy Affidavit.<br> Thanks! - Seller-REDACTED <br>Open-Missing business purpose disclosure - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached Occupancy Affidavit.<br> Thanks! - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | Occupancy Affidavidt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 145490 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-REDACTED - Recordeded Certificate of Compliance- REDACTED is required - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 145490 D B A | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Ineligible Property | Waived-Exception received for non-warrantable condo project with 83% investor concentration (10 of 12 units) - Due Diligence Vendor-REDACTED |  | Waived-Exception received for non-warrantable condo project with 83% investor concentration (10 of 12 units) - Due Diligence Vendor-REDACTED<br>|  | Condo long established since XXXX, no commercial space, no litigation, no delinquent dues, no one owns more than one unit, XXXX on primary residence mtg history, Min FICO is 660, borrower FICO is REDACTED |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | Originator Pre-Close | Yes |

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## Exhibit 99.11

**Exhibit 99.11 Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** |
| REDACTED |  | 142257 | REDACTED |
| REDACTED |  | 142259 | REDACTED |
| REDACTED |  | 142260 | REDACTED B |
| REDACTED |  | 145477 | REDACTED |
| REDACTED |  | 142236 | REDACTED |
| REDACTED |  | 145465 | REDACTED B |
| REDACTED |  | 142247 | REDACTED |
| REDACTED |  | 145487 | REDACTED |
| REDACTED |  | 142220 | REDACTED |
| REDACTED |  | 145490 | REDACTED B |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | 142257 | XXXX | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 142259 | XXXX | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 142260 | XXXX | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |
| REDACTED |  | 145477 | XXXX | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 142236 | XXXX | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 145465 | XXXX | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 142247 | XXXX | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 145487 | XXXX | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 142220 | XXXX | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 145490 | XXXX | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |

---